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Collection Agency and the Credit Bur...
To make a long story short. Emergency room visit turned in to 4 separate charges. I have been making payments on them since I received the bill, but not as much as they want. As a result, they've turned it over to collections. I have not changed my payments made to the original debtor. I find on my credit report they were quick to add it to my Credit Report, but they have not added any payments that I've made. It still shows derogatory. I disputed this matter with trans union, who, in turn reported back on 3 occasions, that there has been no change. The debtor says thanks for the payments, we consider those payments good faith. The collection agency says they are not a credit card company and therefore do not report payments. The Credit Bureau, TransUnion, claims there is nothing they can do if that is what the collection company submits.
This appears to be "strong-arm" attempt by ruining your credit when you cannot afford to pay your bill in full. Somehow, this does not seem fair to the consumer. I have 12 medical bills I am paying on. All would prefer I made $50 to $100 payments monthly. If that were the case, I'd be living on the streets.
Is this allowed, legal in the stat... Read More
I put a car in my name (joint) for my mother six yrs. ago. After it was auction off she owed about 8000, a collection agency has it but harasess me and dont seem to w... Read More
what to do if a collection agency has reported to the "credit burea...
I recently found that a credit agency had contacted the credit bureau.
I was unaware that there was a credit agency hired for collections.
I had moved and was separated.
i was not getting my mail from that address.
once i noticed that i had a blemish on my once perfect credit report i contacted the collection agency.
the client was a medical billing company
i paid the medical billing company last year and i hand not noticed that they sent the payment back, this was 4 months before they hired a collections company to collect
i never received a notice of collections
i paid the collection company once i found the bad score on my credit report
i used bill pay from my bank to pay the medical company
i have a written statement from that bank that the medical billing company was paid and that they had sent the money back
is there anything i can do
&nbs... Read More
On my credit report I have a few items that are paid and state paid but the condition is still listed as derogatory. Will that change or is that something I can have changed? If so, how do I... Read More
FEELING HAUNTED BY OLD CREDIT HIST...
IN THE PAST I HAD TERRIBLE CREDIT HISTORY. IN THE LAST TWO YEARS, MY CREDIT IS VERY GOOD. THAT IT SEEMS TO ME THAT MY GOOD CREDIT IS NOT FIGHTING MY OLD BAD CREDIT. THIS IS LIKE A CURSE. I HAVE DRASTICALLY CHANGED MY CREDIT HABITS, HOWEVER OLD ACCOUNT, EVEN THOUGH THEY ARE PAID, THEY STILL SHOW AS BAD. COLLECTION, AND SO ON. WHEN WILL TH... Read More
Is there a way to get repossesions, bankruptsies, or foreclosures off your credi... Read More
How long does negative item stay on credit repo...
I understand that the negative items can stay on your credit report for up to 7 years (excluding bankruptcies, liens, etc...). My question is if the negative item is transferred to another agency, does the 7 year rule start over each time it is transferred?
&n... Read More