freexone74 Posted May 29, 2003 Report Share Posted May 29, 2003 ok so if there is a collection for say $275 on my report from verizon i'm not sure what 2 do.from what i've read on here alot say claim as not mine and have them validate it but say 30 days pass and they don't validate it. it is a true debt so once its off won't verizon just report it again and it will just show up again. woudn't it be better 2 pay it and then wait a little. then claim as not mine so if it drops off it will stay off? holla Link to comment Share on other sites More sharing options...
sisflomi Posted May 29, 2003 Report Share Posted May 29, 2003 Well there are a couple of things you can try. First when was the last time you paid it? Is it with verizon or a collection agency? Link to comment Share on other sites More sharing options...
freexone74 Posted May 29, 2003 Author Report Share Posted May 29, 2003 well it's a recent collection so within the past 6 months. also its listed under OSI so its not the orig CR. btw like the red white and blue Link to comment Share on other sites More sharing options...
sisflomi Posted May 29, 2003 Report Share Posted May 29, 2003 OSI just filed bk!!!!!!! Here is a link. Go ahead and try to dispute as not mine and see what happens. Never know!http://www.ix22.com/osi Link to comment Share on other sites More sharing options...
BrassFan Posted May 29, 2003 Report Share Posted May 29, 2003 <blockquote>Originally posted by freexone74from what i've read on here alot say claim as not mine and have them validate it but say 30 days pass and they don't validate it. it is a true debt so once its off won't verizon just report it again and it will just show up again. </blockquote>True...but if this happens, the CRA is required to notify you within 5 days that something deleted has reappeared on your report. If they don't, you can usually use their failure to notify you as leverage to get them to delete the TL. Link to comment Share on other sites More sharing options...
freexone74 Posted May 29, 2003 Author Report Share Posted May 29, 2003 well hot damn i'll have 2 claim do not know and see if i can get it deleted - thanks sis. Brass - i thought of that but doesn't that get out of hand having 2 go back each time 2 have them delete? Link to comment Share on other sites More sharing options...
Swede Posted May 29, 2003 Report Share Posted May 29, 2003 <blockquote>Originally posted by freexone74ok so if there is a collection for say $275 on my report from verizon i'm not sure what 2 do.from what i've read on here alot say claim as not mine and have them validate it but say 30 days pass and they don't validate it. it is a true debt so once its off won't verizon just report it again and it will just show up again. </blockquote>Welcome to the board, first, lets get the terms straight, when you dispute with the CRA, they verify, not validate. Since this is a closed account, it's not like the CA or OC sends information on a monthly basis like open accounts do and like Brass says, they have to notify your within 5 business days if it is reinserted.<blockquote>Originally posted by freexone74woudn't it be better 2 pay it and then wait a little. then claim as not mine so if it drops off it will stay off? </blockquote>Definately not. A paid collections is just as bad as unpaid and does nothing for you and you lose a lot of leverage. Also, by paying it, you're furnishing them with fresh stuff that they might use against you. Link to comment Share on other sites More sharing options...
Swede Posted May 29, 2003 Report Share Posted May 29, 2003 <blockquote>Originally posted by freexone74Brass - i thought of that but doesn't that get out of hand having 2 go back each time 2 have them delete? </blockquote>Each time? There will be only one time because more than likely, the CRA will fail to notify you which is your ticket to deletion again should it be reinserted. Link to comment Share on other sites More sharing options...
freexone74 Posted May 29, 2003 Author Report Share Posted May 29, 2003 thanks for the help on this guys. will see what comes of it. hopefully i'll have advice for someone soon Link to comment Share on other sites More sharing options...
freexone74 Posted May 29, 2003 Author Report Share Posted May 29, 2003 so Swede if i paid a credit card off and there is a 0 balance if i claim i do not know the account with the CRA's will that re-appear?in other words does a credit card company continue 2 report on a monthly basis if the account was closed by grantor and i've finally paid it all off? thx Link to comment Share on other sites More sharing options...
Swede Posted May 29, 2003 Report Share Posted May 29, 2003 <blockquote>Originally posted by freexone74in other words does a credit card company continue 2 report on a monthly basis if the account was closed by grantor and i've finally paid it all off? </blockquote>Normally no. Link to comment Share on other sites More sharing options...
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