Ebay debt collection on credit report. How to remove it?

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improvent363
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Ebay debt collection on credit report. How to remove it?

Postby improvent363 » Thu Mar 15, 2012 5:34 pm

I just checked my credit report and now I see that their is a $110 collection from ebay Inc. It says that the collection was reported on 02/2012 but the date of 1st Delinquency was on 8/2007 and some how it just shows up now in my credit report!

So can some tell me why it is showing up now when the 1st Delinquency was over 4 years ago and never was their on my credit report?

Also, is their any chance of this being permanently removed from my credit report within a month? If so, can I do it without contacting the collection agency, but instead contacting the 3 credit bureaus?


improvent363
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Postby improvent363 » Sat Mar 17, 2012 5:37 pm

Any one got any ideas?

Celestine
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Postby Celestine » Sat Mar 17, 2012 10:14 pm

improvent363 wrote:I just checked my credit report and now I see that their is a $110 collection from ebay Inc. It says that the collection was reported on 02/2012 but the date of 1st Delinquency was on 8/2007 and some how it just shows up now in my credit report!

So can some tell me why it is showing up now when the 1st Delinquency was over 4 years ago and never was their on my credit report?

Also, is their any chance of this being permanently removed from my credit report within a month? If so, can I do it without contacting the collection agency, but instead contacting the 3 credit bureaus?


Did you really have an account that went into collections?
How many accounts went into collection?
How many times your account went into collections?

If those were valid collections, not unauthorized use of your credit card/bank account, then it would stay on your credit report. Of course, the type of delinquency affects how long it will appear on your credit report. Like bankruptcy stays in the report for ten years.

First, you NEED to pay the unpaid amount to the collections agency before you can begin repairing your credit. DO NOT LISTEN to people who tell you not pay the unpaid amount. You have to be financially responsible to have a good credit.
"Nearly all men can handle adversity, but if you really want to test a man's character - give him power." - Abraham Lincoln

randeman
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Postby randeman » Sun Mar 18, 2012 12:22 pm

I actually forgot to pay all of my last Verizon bill for the last land line I ever had. It was turned over to a collection agency (it was $25.00), but I never heard from Verizon or the agency. When I discovered it on my credit report, I paid it and they took it off my record without my asking. Maybe Ebay will do the same for you.
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Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).

improvent363
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Postby improvent363 » Mon Mar 19, 2012 7:00 pm

Celestine wrote:Did you really have an account that went into collections?
How many accounts went into collection?
How many times your account went into collections?

If those were valid collections, not unauthorized use of your credit card/bank account, then it would stay on your credit report. Of course, the type of delinquency affects how long it will appear on your credit report. Like bankruptcy stays in the report for ten years.

First, you NEED to pay the unpaid amount to the collections agency before you can begin repairing your credit. DO NOT LISTEN to people who tell you not pay the unpaid amount. You have to be financially responsible to have a good credit.


only one account went into collections and its not a credit card account [but has to do with my ebay account not having paid ebay fees and got suspended for it].

Anyway, I called this collection agency and told them my SSN# but they couldn't pull up collection with that info. So, I had to provide my full name and they were able to pull up the debt then, even though they had the wrong address on file for it. So, can someone please tell me, how is that this collection is showing up in my credit report when they don't even know my SSN# and my correct address!

JCarter
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Postby JCarter » Wed Mar 21, 2012 12:10 am

Just a bit of friendly advice, not that of an attorney-client relationship.

Write a letter to the collection agency, stating that you are demanding they remove the file from your report as it is in direct violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

When you signed up for eBay services, you never requested to be issued credit and your credit worthiness was not judged by eBay at the time, or at any point during services. You never agreed to accept anything from them on a revolving basis (if you had it would be through Paypal their subsidiary.).

Secondly, go and get a money order for the debt, and pay it. They may not legally be able to post it on your credit report now, but if they sue you and obtain a judgement then it becomes a public record which is visible for 7 years and creates a bigger dent in your score than a negative filing.



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