How To Get Collections Removed From Credit Report?

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CJC
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How To Get Collections Removed From Credit Report?

Postby CJC » Fri Sep 10, 2010 10:24 am

Hi,

I had an account sent over to collections about a year ago over a measly $39 (I know, I know =/ ). Anyways, I paid it off once I got the letter but by then it was listed on my credit report. It shows up as "paid" with a balance of $0 and the dates are correct. Is there anyway I can have this removed completely? I've been reading around and found some information about sending a dispute by mail to the 3 bureaus and they would begin an investigation and if they can't verify anything than it will be completely removed from my report. Does that apply to me? Can anyone clarify on that? Any other suggestions?


CJC
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Postby CJC » Sat Sep 11, 2010 10:24 pm

One of my biggest reasons for trying to get it removed is because I recently applied for an AMEX Zync card and was denied due to the following:

Account(s) not paid as agreed (Equifax)
Our analysis of the credit risk associated with customers who have accounts with the creditor(s) indicated in your credit report. (Equifax)

The collection account is listed as "paid" and has a $0 balance but for some reason AMEX is reporting it as "not paid as agreed."

BTW: All my other credit accounts are in good standing and this is the only baddie I have on my credit report. Also if it matters, the collection company was NCO Financial.

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Mogul of Pineapples
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Postby Mogul of Pineapples » Tue Sep 14, 2010 1:57 pm

$39 sounds like it was for a credit card late payment fee. Would that be correct?

CJC wrote:und some information about sending a dispute by mail to the 3 bureaus and they would begin an investigation and if they can't verify anything than it will be completely removed from my report.


That's right. If the creditor that is reporting that doesn't respond to the credit bureaus investigation, the credit bureau will have to remove it. But if it's a credit card company they deal with these all the time and I would be they will respond.

Tell us more about the $39 and how it happened so we can figure out some approaches to take with the dispute.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

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CJC
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Postby CJC » Tue Sep 14, 2010 7:14 pm

The $39 fee actually came from a web hosting company called 1&1. I had a server with them and was completely unsatisfied with their service. I filed a complaint (via email) with 1&1 and they willingly agreed to discontinue my contract. The CSR granted my request but never mentioned that I would be billed for that final month of service.

A few months later I get a call from NCO saying that I owe 1&1 a balance. I wasn't aware that I owed them anything because all of the invoices were sent via email to my older email address that I hadn't checked in months. It turns out my credit card that 1&1 had on file expired and the payment attempts were declined.

I was a little disappointed that I was never contacted by 1&1 via mail or phone and once again the CSR I dealt with never mentioned about being billed for the month. I requested cancellation at the beginning of the month. Shouldn't that $39 be prorated anyways? I was thinking about writing a GW and hoping for the best. Just not sure how I should go about it....

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Mogul of Pineapples
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Postby Mogul of Pineapples » Mon Sep 20, 2010 11:21 pm

Funny you mention 1&1's unsatisfactory service as I have heard the same from several people.

I think how I might tackle this is dipute the charge on the grounds that the $39 charge was possibly fraudulent and therefore you had no reason to expect a credit card bill during that time, which is ultimately the reason for the late fee. Do you think this would fall under the definition of fraud? To me it sounds like it might if they billed you when they weren't supposed to.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

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Postby Brad » Sun Oct 10, 2010 11:16 pm

I have experience with 1 & 1 and NCO Collections. I have successfully beat their collection attempts for several domains I never wanted to keep, therefor never renewed them. They renewed them for me, and then sent me to collections for small amounts.

I refused to pay as this is not common practice in the domain registrar industry, nor did apply for, or authorize any extension of credit. They kept referring to the "contract". I told them I did not sign a contract nor is a "digital content" legal.

1 & 1 has hired NCO collections [they are criminals] and it's simply a boiler room collection operation. Don't dispute with the credit bureau(s), as the debt will be "verified" as it suits them to side with the paying subscriber (NCO).

How I got 1 & 1 removed:

I filed a complaint with the state they are based in Attorney General: The
Pennsylvania Office of Attorney General - Bureau of Consumer Protection.

The URL for the complaint form is here.

Fill it out correctly. I did, and two or three weeks later I got a letter from a "Protection Agent" and NCO stating that ALL 1&1 collection accounts have been closed.

If you need more help or proof, I can show you the letters as I already have them scanned into Evernote. Just Private message me here on the board.

Good luck kiddo!


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fffresh
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Postby fffresh » Thu Oct 14, 2010 4:02 pm

This is insightful thread on how to get collections removed from ones credit report. I will remember this in the event I ever have a bill accidentally sent to collections.

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Mogul of Pineapples
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Postby Mogul of Pineapples » Wed Oct 20, 2010 8:34 pm

Great advice Brad!
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

andrewc2
 
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Postby andrewc2 » Sat Mar 23, 2013 9:43 pm

I realize this is now 2 years old but I can confirm that Brad's method is effective in getting 1&1 to cooperate and agree to cancel things as well as remove things from collections.

Note that when you send the initial request to the Bureau, be sure to send accurate receipts for the charges as well as the letters received from NCO. It took a few weeks to go back and forth as my home address is not the same address that was on the 1&1 account.

I have learned my lesson though and will never purchase anything from 1&1 ever again.

tarfin
 
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Postby tarfin » Fri Mar 29, 2013 10:54 pm

A somewhat old thread bump so forgive me for the necromancy.

Along with Andrec2 and the OP I had an account sent to collections from 1&1. I'll take my bumps and bruises for something I receive and don't pay for, however I never asked for the charges from 1&1.

Dispute this with the big 3 credit bureaus and I can nearly guarantee that 1&1 won't respond which means a removal from your credit record.

IMO this company is shady in their practice and how they try to get people to pay for services so by all mean contest, contest, contest!



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