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Started By
Message
Getting Collections Off Credit Report
Posted on 3/6/24 at 10:45 am
Posted on 3/6/24 at 10:45 am
Checking my monthly report and saw a collections account dinging my score. Through some investigation found out the NOLA Sewage and Water Board sent a bill to my old address over a month after closing the account out. Fast forward 6 months later and they sent it to a collections agency.
Called NOSWB and they said it was because they sent a final bill to the last address, and despite having a $0 balance at close there's still a bill.
Collections agency said they sent a text message and letters to the old address. Asked the collections agency if they would delete the account if I paid it and got a vague answer about they will "recall it in 30-45 days."
It's only like $200 so I don't care about paying it, just want my credit score back to over 800. Is it worth paying it over the phone or sending a demand letter for proof of contact and that it be deleted.
Called NOSWB and they said it was because they sent a final bill to the last address, and despite having a $0 balance at close there's still a bill.
Collections agency said they sent a text message and letters to the old address. Asked the collections agency if they would delete the account if I paid it and got a vague answer about they will "recall it in 30-45 days."
It's only like $200 so I don't care about paying it, just want my credit score back to over 800. Is it worth paying it over the phone or sending a demand letter for proof of contact and that it be deleted.
This post was edited on 3/6/24 at 10:46 am
5
Posted on 3/6/24 at 10:52 am to lionward2014
If it's a bullshite charge, why pay it?
Posted on 3/6/24 at 10:54 am to lionward2014
The old school way was the demand letter with a check.
The check marks paid in full in the "for:" line.
There may be someone in financial lending who can update the more modern methods.
The check marks paid in full in the "for:" line.
There may be someone in financial lending who can update the more modern methods.
Posted on 3/6/24 at 11:33 am to LNCHBOX
quote:
If it's a bullshite charge, why pay it?
After Bankruptcy, collections are probably the biggest hit on a credit report. So if you can get it off its probably worth the $200
Posted on 3/6/24 at 12:16 pm to Hermit Crab
quote:
collections are probably the biggest hit on a credit report. So if you can get it off its probably worth the $200
That's my thoughts. I don't mind fighting, but if I could just pay it and get my credit back then that's worth it.
Posted on 3/6/24 at 12:34 pm to lionward2014
Have you tried disputing it through whichever app you used to pull your credit score?
Posted on 3/6/24 at 12:47 pm to lionward2014
Definitely dispute it with the credit agencies. They collection company will have to prove the debt is legitimate. They will not have much information since they typically "buy" the debt in bulk, at a fraction of the value. If they cannot prove the debt, the collection ding will be removed. If they don't respond, the collection ding will be removed.
There is a VERY GOOD chance the collection company will not bother with sending the credit agencies a "paid" notice if you do pay them, and you'll still have to go through the hassle above.
I fought this battle several years ago for a similar BS situation. I also figured I'd pay the small amount just to get it cleared up quickly. I figured out the collection company uses the credit ding as a tool to get you to pay them, and they didn't care one bit about your credit report.
Even if you do pay, and they do send a "paid" notice, it will still show as a debt sent to collections for 7 years. Better to try to dispute with the credit agencies.
There is a VERY GOOD chance the collection company will not bother with sending the credit agencies a "paid" notice if you do pay them, and you'll still have to go through the hassle above.
I fought this battle several years ago for a similar BS situation. I also figured I'd pay the small amount just to get it cleared up quickly. I figured out the collection company uses the credit ding as a tool to get you to pay them, and they didn't care one bit about your credit report.
Even if you do pay, and they do send a "paid" notice, it will still show as a debt sent to collections for 7 years. Better to try to dispute with the credit agencies.
Posted on 3/6/24 at 12:56 pm to KamaCausey_LSU
quote:
Have you tried disputing it through whichever app you used to pull your credit score?
Great call. Saw it through my Capital One account, and they have tons of info and links to disputing.
Posted on 3/6/24 at 1:57 pm to eatpie
quote:
Definitely dispute it with the credit agencies. They collection company will have to prove the debt is legitimate. They will not have much information since they typically "buy" the debt in bulk, at a fraction of the value. If they cannot prove the debt, the collection ding will be removed. If they don't respond, the collection ding will be removed.
This
Ask the collection agency for proof they own the debt and then to send you a detailed list of charges they claim has not been paid. Tell them the charges are in dispute. Tell them to remove their claims from your credit reports immediately or you will turn it over to your lawyer.
Posted on 3/6/24 at 2:13 pm to Hermit Crab
quote:
collections are probably the biggest hit on a credit report. So if you can get it off its probably worth the $200
But a bullshite charge should be relatively easy to get removed without paying it.
Posted on 3/6/24 at 4:55 pm to lionward2014
Settle it for 50
Then find someone to wipe it off your report
If they wipe it without it being paid or settled it will get reported again
Then find someone to wipe it off your report
If they wipe it without it being paid or settled it will get reported again
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