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Last April I had moved and my AT&T internet wasn't working at my new address so I closed the account, paid the last bill, and sent the modem back. I checked my credit this week and my score has gone down 90 points because of a report from Southwest Credit Systems. I called and they said it's from AT&T. I asked what the account number was and she gave me a 9 digit number. I went on AT&T's website and saw that 1) my account number was 10 digits and different from the one she gave me and 2) it showed that I had paid my last bill 04/05/15 and had a zero balance. The chat with a CSR box
I have a collection on my CR that was sent and recalled to a couple of CA’s. I was able to get the bill resolved and paid the OC directly. OC is not reporting but the first CA is reporting. I’ve spoken with the CA that is reporting and was told they no longer have the debt. Should I dispute this with the CRA’s or request DV from the CA…or both? I have documentation showing the bill was paid in full to the OC. I also have a letter from the second CA stating they were returning the debt to the OC. Would this be a appropriate letter to send to the CRA’s? Dear Credit Bureau, I just finished re
I have a Southwest Credit Systems collection on my credit report. I did not recognize this account but started putting two and two together. It is an old AT&T account (still within the SOL) that I thought had been closed and paid in full. My plan was to dispute the account as not mine since the OC is listed as Cingular Wireless. Before I could file the dispute with the CRA’s, I noticed that the amount owed to Southwest Credit Systems had decreased by exactly $300. Turns out my wife made a payment to AT&T a few months ago, in hopes of fulfilling the debt. She needs to start reading the
Hi All, I have started my road to credit repair. After sending out my first round of disputes, I am happy to report that a few negatives have come off. However, I noticed that a collection balance from Southwest Credit Systems has decreased from $766 to $466 as I received an updated credit report showing the removal of an unrelated dispute. I have not attempted to dispute the Southwest Credit Systems collection. I now have 2 EQ CR's - one from Nov. and an updated one from Dec. showing a decrease in the balance. I have not made a payment. The CA is reporting the wrong amount. This account is