maverick Posted October 6, 2004 Report Share Posted October 6, 2004 HiI have read past threads and I see some have different views about this. I have a $45 collection from a doctors lab that was without my knowledge. Now its at a collection agency and has been for the last few years. Because its so small, do you recommend verifying it, sending a letter to the CA route, or paying it and then have the CRA's verify it and hope that the CA wont even bother becuase it was such a small amount? Link to comment Share on other sites More sharing options...
Josh Mcgrath Posted October 6, 2004 Report Share Posted October 6, 2004 DV!!!!!!!!!!!!!!! A paid collection is just as paid on your credit as an unpaid collection. Link to comment Share on other sites More sharing options...
busted Posted October 6, 2004 Report Share Posted October 6, 2004 busted Link to comment Share on other sites More sharing options...
Rwinkle Posted October 7, 2004 Report Share Posted October 7, 2004 Account Name: UNITED COLLECT BUR INCAccount Number: XXXXXXXXXXXAccount Type: Collection Department / Agency / Attorney Type of Business: Other Collection Agencies Terms: Unknown Account Status: Closed Monthly Payment: $0 Date Open: Apr, 2001 Balance: $33 Balance Date: Jul 21, 2001 High Balance: Not reported Credit Limit/Orig. Amt.: $33 Past Due: $0 Remarks: Not reported Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department What should i do with this on my experian report?Can i ever get it removed from my report?A Newbie. Link to comment Share on other sites More sharing options...
Methuss Posted October 7, 2004 Report Share Posted October 7, 2004 Definately DV this one. The CR doesn't even say who the original creditor was. If you are not absolutely positive this is yours then it is up to the CA to prove it. That's what the FCRA and FDCPA are for...to help consumers deal with the possibility of fraudulent collection activities. Link to comment Share on other sites More sharing options...
breathing_easier Posted October 7, 2004 Report Share Posted October 7, 2004 maverick: Is your $45 collection reporting on any of your credit reports? Link to comment Share on other sites More sharing options...
Rwinkle Posted October 7, 2004 Report Share Posted October 7, 2004 thank you Link to comment Share on other sites More sharing options...
Rwinkle Posted October 7, 2004 Report Share Posted October 7, 2004 didn't mean to hijack the OP's thread. Sorry. Link to comment Share on other sites More sharing options...
retmar Posted October 8, 2004 Report Share Posted October 8, 2004 Maverick, you could do the HIPPAA route. To do this, go to about page 30+ in this section and find the thread titled "????? About HIPPAA". You would generate the enclosed lettrer and use "Insert B". Then you would include a MO for the $45.00 or actual amount if this includes interest and send it to the provider CMRR. Link to comment Share on other sites More sharing options...
Recommended Posts