Posts Tagged ‘ collection ’

Collection account payments should never be sent to Experian

Dear Experian, I recently looked at my credit report and saw that I owe two debts, and Experian is the collector. My question is where do I send the payment? I have been trying to pay it for a while now with no luck. Can you help? - PDR[ READ MORE ]

Evictions are not shown in a credit report

Dear Experian, I have an eviction on my credit report which is inaccurate. I have proof that it was paid. Every time I apply for an apartment I am denied because of this eviction on my record. I have ordered my credit reports and it does not appear on any of them, yet it's on every tenant screening report. I would like to know how to have it removed. - VLK[ READ MORE ]

Alarm company can turn past due account over to collections

Dear Experian, I have a dispute with a security alarm company. They have implied a contract extension on a policy that I did not approve. I have not made a payment on the policy since November 2012 and am concerned that they may eventually turn the balance over to collections, thus negatively affecting my credit, though they have not threatened such action yet. Is there an arrangement I can make with the credit reporting companies that can prevent harm to my credit in the event that issues with this company escalate? That is, can I prevent them from damaging my credit history by reporting this unpaid balance? Or is my only option to pay them? - JSS[ READ MORE ]

Collection account and charged off account for same debt in credit report

Dear Experian, If an account is "charged off" and sold to collection agency, how can both accounts be used against you? My credit report shows two negative accounts. I owed $1,900, but now one account shows the original amount owed and a separate account shows $2,300 owed to a collection agency. Will both accounts stay on my report for seven years? The original account was four years ago, but the collection is only three months old. - VNW[ READ MORE ]

Company suing after account deleted from credit report

Dear Experian, Last year, I disputed an account with you and the other CRAs. About a month after the dispute, you and the other CRAs deleted that item off my credit reports. Now the company that placed that erroneous account is attempting to sue me. Can I request a document from you and the other CRAs validating that the account was deleted? - AFG[ READ MORE ]

Contacting collection agency won’t add negative entry

Dear Experian, I have an unpaid charge-off that I want to pay off. I've contacted the creditor showing on my current credit report but they advised me that they sold the account in 2011. The "sold to" company has never contacted me for re-payment. How can I go about paying off this debt and stopping the monthly reporting to the credit agencies? I'm afraid if I contact the "sold to" company there will be another negative entry on my report, in addition to the original creditor. Thank you. - BLD[ READ MORE ]

Make medical payments to the collection company not to the hospital

Dear Experian, I have been making monthly payments for a hospital bill. The hospital has stopped all correspondence and continues to cash my checks. They have also reported on my credit report with no reduction in debt updated. The report states collection even though they are accepting payment. - DLR[ READ MORE ]

Student loans reported as “claim filed with government”

Dear Experian, My student loans were consolidated into a new loan. My old student loans now state “closed/paid collection” and, “Claim filed with government for insured portion of balance on loan.” Does this negatively impact my credit scores? I see "potential negative account" on all of the old loans. Can I get these old student loans removed to improve my credit scores? - JNN[ READ MORE ]

Paying off closed or charged off accounts

Dear Experian, Does paying off a closed or charged off account raise your credit scores? -TYC[ READ MORE ]

Collection account added after declining settlement offer

Dear Experian, A debt collector contacted me about a debt that isn't on my credit report. If I don't pay him the settlement offer he proposed, can he then add the account to my report? - RBL[ READ MORE ]

Medical collection accounts can be part of a credit report

Dear Experian, On my credit report there are two collection items. One says Medical Payment Data. The other just says Emergency Physician. I need their contact information, such as address and phone, so I can get in touch with them. Can you please help? - NYW[ READ MORE ]

The meaning of “derogatory public record”

Dear Experian, My credit score states "time since derogatory public record or collection is too short." What is a “derogatory public record”? - JTR[ READ MORE ]

It is possible to owe debts not on your credit report

Dear Experian, Everything shows on the credit report right? Every debt you owe? I currently have two debt collectors harassing me claiming I owe them money and threatening to sue me. But when I look on my report, there is nothing that is open against me. How do I get them to send me actual proof that I owe? - JYG[ READ MORE ]

Unpaid doctor bills appearing in credit report

Dear Experian, I am seeing that each time I go to the doctor and I do not pay those bills on time, the bill ends up on my credit report. This has resulted in 10 or more delinquencies, some of which are less than $50 each. How do I consolidate all these bills into one? - JDY[ READ MORE ]

Ensuring charges sent to collection in error are not in credit report

Dear Experian, I disputed a charge off on my credit report and have a letter from the company stating the "charges were sent to collections in error," how can I get this letter to you? - KLB[ READ MORE ]

Individual payments to collection agency not always reported

Dear Experian, I am currently making payments on accounts that are on my credit report. Do the credit bureaus recognize my payments that I'm paying to the collection agency? - AYR[ READ MORE ]

Paid collection account not deleted immediately

Dear Experian, How do I get something I have paid removed from my credit report? I'm trying to get approved for an apartment and I need it taken off ASAP. I have the letter from the collection agency showing the debt has been paid in full. - RRB[ READ MORE ]

Payments should be made to collection agency, not original lender

Dear Experian, I made payment arrangements to pay a debt to the original credit card company; however, a third party collection agency is now contacting me for payment on the same account. Who should I be making payments to? - ALT[ READ MORE ]

Debt can still be collected after it is removed from the credit report

  • February 29th, 2012
  • Posted in Featured

Dear Experian, Once an item is removed from the report after having been reported for 7-10 years, can the creditor still try to collect the debt? Can the account still collect interest? - LGD[ READ MORE ]

Original account not updated when debt is paid through collection agency

Dear Experian, When an account is paid off through a collection agency, why doesn't it show paid in settlement on the account with the original creditor as well as the collection agency account? - PGR[ READ MORE ]

“New” collection account will be deleted at the same time as original account

Dear Experian, Is it legal for a collection agency to submit an account that they buy from a creditor as "new" even though that same account before it was purchased from the original creditor by the collection agency was two, three four years old? What can the consumer do to combat that practice in order to clear his or her credit? - ALJ[ READ MORE ]

Benefits of paying a collection account

Dear Experian, I have a credit card account on my report that has gone to a collection company and was written off by the credit card company. If I make a deal with the collection company to start a payment plan and pay this off, will it affect my credit in a positive manner or is it too late for that? Also, does the collection company have to report the timely payments to you to show it is being paid? - SCH[ READ MORE ]

Credit report lists names, contact information for collection agencies

Dear Experian, I am trying to pay off my debts with collection agencies, but I do not know who to contact as they do not send me any collection notices for my debts. Would you guys be able to provide me the telephone numbers of the collectors I need to pay off? I want to improve my credit, and I want to start by paying off all my debts. - OON[ READ MORE ]

“Overdraft/reserved checking account” is a collection account

Dear Experian, I work in my company’s Human Resources department, and our consumer reporting agency uses Experian to obtain credit reports. We have recently seen the term "Overdraft/Reserve Checking Account" on credit reports and are not familiar with what that means. Our consumer reporting agency told us to contact you. We only see it when the account is not in good standing. - EGR[ READ MORE ]

Eviction will remain on your report after paying collection or judgment

Dear Experian, I have an eviction on my credit that I'm about to pay. What will it say on my credit report? When I go get another apartment will that appear? - AYV[ READ MORE ]