payinbills Posted February 26, 2005 Report Share Posted February 26, 2005 I have paid a few settlements to creditors I owned. As has my wife. With one in particular, they updated her credit report showing a balance of the difference between the settlement and the full amount owed.This did not happen with the other ones, they just zero'd it out. Should I dispute?Payinbills! Link to comment Share on other sites More sharing options...
score booster Posted February 27, 2005 Report Share Posted February 27, 2005 Was a receipt obtained showing a 0 balance? Link to comment Share on other sites More sharing options...
payinbills Posted February 27, 2005 Author Report Share Posted February 27, 2005 No, they were supposed to send a recipt, but it never came.In addition, we called and asked about it, and they said that it is normal to show the difference from a settlement. I believed them until I saw other settled accounts zero'dpayinbills! Link to comment Share on other sites More sharing options...
Corrine Posted February 27, 2005 Report Share Posted February 27, 2005 Please tell me this wasn't paid through Van Ru.... Link to comment Share on other sites More sharing options...
score booster Posted February 27, 2005 Report Share Posted February 27, 2005 Unfortunately you're sol on this. (not statute of lim. either) NEVER pay anyone without a receipt or settlement showing 0 balance. They screwed you. I'm so paranoid I ask the wal-mart cashier for my receipt before I hand over my money. They will probably sell the balance to another ca now. Link to comment Share on other sites More sharing options...
retmar Posted February 27, 2005 Report Share Posted February 27, 2005 Do you have any other proof of the agreement? Do not include other CRA's.If nothing written, do you remember the date, time, name, and main points of the conversation when the agreement was made? If so, then sit down and prepare a letter to the CA that clearly tells the whole of the agreement. Then proceed to inform them as to how unprofessional, etc.Then inform them that you are filing complaints with your AG, their AG, FTC, and all other governing agencies. You will also inform them of their violation as they are reporting incorrect information. Whoever fed you that BS is a liar. The only way they can report a balance is if there is, in fact, a balance due. If payment was considered as full, they must report as Zero. Link to comment Share on other sites More sharing options...
payinbills Posted February 27, 2005 Author Report Share Posted February 27, 2005 OK, let me back up...I did receive a reciept. Just found it.It states a balance of $98.40Below that, there is a box checked indicating "Account is settled"Now I know when we talked to them, they gave us the impression that our payment would not leave a balance. Otherwise we would have just paid the $98.We've had to call a lot of people so she can't remember much about the converstation.Guess I should just pay the $98 and be done with it.Payinbills! (then payin 'em again appparently.) Link to comment Share on other sites More sharing options...
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