Don
Belleville,#2Consumer Suggestion
Wed, January 03, 2007
With the agency I work for, to get to the department dealing with credit bureaus, it was simply a matter of using the correct prompt when calling the general company phone number. When I worked on the 3rd party collection, option 3 in the automated system was to speak to an agent about an account, and option 4 was to speak to someone about something on a credit bureau. Sorry I can not be more help on this one, other than to say call the general number, and listen to prompts.
P
Red Oak,#3Consumer Comment
Wed, January 03, 2007
Don - interesting read thanks for the info. How would she find the correct department? Is there a catch word/phrase she should use that is standard in the collection industry? Since you apparently work as a collector or in the collections field is there any general advice the posts are missing that people should be doing or not be doing? we understand you cannot issue legal advice if you are not an attorney .. (other than items already mentioned?) It would be a great asset to those readers of this board to get some an insiders thoughts and recommendations. By the way "credit bureaus" hate to be referred to as this because they "only report information provided to them by subscribers." They prefer to be referred to as "information management organizations" Still a credit bureau in everyone's book to be sure!! Just an FYI : )
Don
Belleville,#4Consumer Suggestion
Wed, January 03, 2007
Obviously, I and you do not know the answer to this. Once payment was made, it is a collection agency's job to report that the account was paid. I know in my office, we are told to advise people that it can take 30-60 days. Once it has been reported by the agency, they have done their job. Maybe this is the credit bureaus not doing their job. Most of the larger collection agencies have a department that deals purely with credit bureaus. Try calling them, although all they will be able to tell you is that is was sent to the credit bureau.
Kathy
troup,#5Author of original report
Wed, January 03, 2007
it has been almost 3 months since the last promise was made by nco to delete all 5 accounts, only 1 has been deleted- i guess immediatly after the call in october (2006), but the other 4 are still there. Nco said 30 to 45 days. yeah- about that.....crap!
Kathy
troup,#6Author of original report
Wed, January 03, 2007
it has been almost 3 months since the last promise was made by nco to delete all 5 accounts, only 1 has been deleted- i guess immediatly after the call in october (2006), but the other 4 are still there. Nco said 30 to 45 days. yeah- about that.....crap!
P
Red Oak,#7Consumer Comment
Wed, January 03, 2007
Dallas Consumer Attorney Tom Thomas at: 214-370-3340
Steve
Bradenton,#8Consumer Suggestion
Mon, November 13, 2006
Giselle, Paying an old charged off account will actually hurt your credit score more than just letting it go past SOL. NEVER pay any third party debt collector. Never even speak to them or respond to them in any way. Very few will actually sue you, and most that try cannot win if you fight them. They usually dismiss as soon as you put up a fight. They have to prove everything. You have to prove nothing. As soon a s debt has been sold 2-3 times it is essentially uncollectable. Spread the word!
Giselle
Any City,#9Consumer Comment
Sat, November 11, 2006
Once a company has charged off a debt and sold it to a scavanger debt collector, is there really any point in paying the debt collector, even if the SOL is still in effect? Because they are just gonna pocket your money and still make a negative remark on your credit, right? This is something that I have wondered about....
Steve
Bradenton,#10Consumer Suggestion
Sat, November 11, 2006
Kam, Speaking to them on the phone was your first mistake! ALWAYS get it in writing!! Verbal agreements never existed. And, they NEVER delete an item from your credit report upon payment. They just mark it as paid which is still a negative that hurts your score more than if you just let it go! The "medclear" and "medclr" references you made are not a company and are not a division of NCO Group. This is simply a designation they use for credit reporting purposes only. Keep in mind that collectors will tell you any lie they can to get that payment. For future reference, NEVER do a payment by phone, or give them any access to your bank accounts. This is VERY dangerous.