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Thread: Help - Collections

  1. #1
    AudreyLeigh
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    Default Help - Collections

    I was closely watching/fixing my CR. I got most stuff all cleared up and lookin good. Except a few things...

    One collection is reporting through Experian

    The original debt is through Safeway and was from 2000. It was sold to a few different companies but two were showing up (diff companies, same debt) Experian removed one of them but not the other. Youre thinking well, its from 2000 - been 7 years - remove it. Well, for some unknown reason its reporting as Opening date 10/2005 (Im guessing when they bought it) Thats bullshit. This is not from 2005 - its from 2000! They wont take it off. I dont know how to get this off my report!

    The others are reporting through Equifax (yea, good luck with these asses)

    NCO Financial
    Original Creditor I *think* it the lovely BofA but I dont know because I have no idea what this debt was for or anything about it.
    Its showing Opening date as 8/2006.

    My feeling is this was a collection through BofA that went through my Ch7 and then they sold the debt even tho they legally couldnt because it was discharged! Not to mention the BofA thing was from I believe 2001 MAYBE 2002. I did a google search and found awful things about this NCO Financial.

    With the NCO one Im thinking of disputing as not mine at all and if it comes back as proof of being mine (and being bofa) Ill have to get proof from my bk attorney that it went through Ch7? Should I just say its not mine to start with to try to get it completely removed because honestly as of now Im not sure where it came from!

    The last one is a car that went through Ch7. Its not showing as discharged in Ch7. I already disputed this and they wouldnt fix it. Argh.

    Im not so worried about Experian but I know Equifax is a bunch of shit and its really hard to get them to fix stuff. Like WHY would a file Ch 7 for all the little $100-200 and not the fucking $25,000 car?! Does that even make sense?!

    Anyway - anyone that knows anything about disputing... I did a lot of work and got a lot of things removed/fixed but there 3 just wont go away and Im just getting more and more frustrated.

  2. #2
    Banned Melonie's Avatar
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    Default Re: Help - Collections

    you have nothing to lose by employing the tried and true tactic 'deny, deny, deny' ! As you say, the burden of proof is on THEM.

    You are almost certainly correct that the 'new' reports of old debts is related to the sale of the original debt to a new collection agency. This is a gray area at best, and you may be able to clear this up by proving that the 'new' debt report is based on an old debt. As to the car loan, a letter from your attorney may be necessary to let the credit agencies know you are serious.

    Where the credit agencies are concerned, logic doesn't have to come into play at all. They have a set of mindless procedures to follow, right or wrong.

  3. #3
    BrunetteGoddess
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    Default Re: Help - Collections

    Oh fuck. Good luck with NCO. We are having issues with them. Also google them and you'll read some horror stories involving their tactics.

    Oh I see you have already.

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    Default Re: Help - Collections

    Quote Originally Posted by AudreyLeigh View Post

    With the NCO one Im thinking of disputing as not mine at all and if it comes back as proof of being mine (and being bofa) Ill have to get proof from my bk attorney that it went through Ch7? Should I just say its not mine to start with to try to get it completely removed because honestly as of now Im not sure where it came from!
    yes, dispute it as not yours. Don't offer up that you think it's from 2000, just say that debt is not yours.


  5. #5
    AudreyLeigh
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    Default Re: Help - Collections

    Quote Originally Posted by BrunetteGoddess View Post
    Oh fuck. Good luck with NCO. We are having issues with them. Also google them and you'll read some horror stories involving their tactics.

    Oh I see you have already.
    Thats the weird thing. Ive had the same cell number for oh, 6 years and have never gotten one call, one letter in the mail. Nothing. Just all of a sudden a collection showing on my CR saying orig. 2005.

    I had been following my CR diligently then stopped the monthly thingy for 6 months and all of a sudden I check and this is there. Im like wtf?! Other than these things the last 2 years are all green - perfect. Not 1 late payment nothing so its really really annoying me.

  6. #6
    AudreyLeigh
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    Default Re: Help - Collections

    One more question. This one is about student loans. All mine have been moved and transfered a billion times.

    Theres a few that never reported anything. Theyre just taking up room on my CR. Theyre from 2000 and 2001. Should I have these removed?

    Also, Ive consolidated all my student loans and Equifax is still reporting a couple are still showing OPEN even tho theyre CLOSED and the other CRAs are reposting closed. Should I have this fixed?

    I fing hate Equifax. All the bs is through them. All is good with Experian and TransUnion but Equifax I guess likes to fuck with people and make them work to get their report how it should already be!

    Equifax is showing 15 OPEN accounts and the other 2 CRAs are showing 7. 7 is correct. Ugh, I hate Equifax.

    Im about to turn into the disputing QUEEN!

  7. #7
    Banned Katrine's Avatar
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    Default Re: Help - Collections

    Did you have some serious financial emergencies during those years? Perhaps you can provide some medical bills, hardship proof, etc, to help you out.

    Isn't bankruptcy supposed to clear these things? I really ought to know more about this but I tend to refer out credit counseling clients.

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  8. #8
    BrunetteGoddess
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    Default Re: Help - Collections

    BK should have cleared all but the Student Loans.

  9. #9
    God/dess whirlerz's Avatar
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    Default Re: Help - Collections

    Quote Originally Posted by Katrine View Post
    Did you have some serious financial emergencies during those years? Perhaps you can provide some medical bills, hardship proof, etc, to help you out.

    Isn't bankruptcy supposed to clear these things? I really ought to know more about this but I tend to refer out credit counseling clients.
    Please see my thread, "wrongful med. charge" in this forum. Sometimes creditors choose to ignore bk. Debitor then has to hire another lawyer, stand in line for a free one, or go round & round trying to make them stop


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