TomTomTuning Posted July 27, 2007 Report Share Posted July 27, 2007 So today is step one for me on fixing me credit.I got my CR from MyFico, and i had a question.I have the same account coming up twice under my EQ report.Same date, balance and OCMy CR says "$3,285 past due on 3 accounts" but it should be 805.00 lessWhats up with this? Here is a picThey both come up at Open Status Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted July 27, 2007 Report Share Posted July 27, 2007 dispute it as "duplicate" Link to comment Share on other sites More sharing options...
TomTomTuning Posted July 28, 2007 Author Report Share Posted July 28, 2007 What concerns me is....Before i even began to learn about this stuff (getting on the forum)Collections called me and i agreed over the phone to pay the debt off in 3 install ments. I believe this is the debt that is coming up on my CR twice.I dont know what to do since i already submitted 1 payment.Any advice would be great Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted July 28, 2007 Report Share Posted July 28, 2007 I would send them a notice certified saying something to the effect that "I believe I may have acted hastedly in agreeing to make payments on a debt I'm not sure is mine. i revoke permission to withdrawl on my account until validation can be provided." Link to comment Share on other sites More sharing options...
TomTomTuning Posted July 28, 2007 Author Report Share Posted July 28, 2007 I would send them a notice certified saying something to the effect that "I believe I may have acted hastedly in agreeing to make payments on a debt I'm not sure is mine. i revoke permission to withdrawl on my account until validation can be provided." Monday i will call them... get there address and send that in...I should send that to the CA right?Then should i dispute the duplicates with Equifax?And if it doesnt get Validated, they should return my payment... right? Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted July 28, 2007 Report Share Posted July 28, 2007 Monday i will call them... get there address and send that in...I should send that to the CA right?Then should i dispute the duplicates with Equifax?And if it doesnt get Validated, they should return my payment... right?1) Yes, to the CA2) I would dispute both accounts with EQ. 1st one, not mine (if you have any question about whether or not it's yours. 2nd one as duplicate.3) If it doesn't get validated, you likely won't get your money back unless you take them to court or something. Link to comment Share on other sites More sharing options...
jetscarbie Posted July 28, 2007 Report Share Posted July 28, 2007 I would also watch my bank accounts. Never give out bank info to anyone! Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted July 28, 2007 Report Share Posted July 28, 2007 yeah, you might want to take your money out of that account and/or open a new one. Link to comment Share on other sites More sharing options...
TomTomTuning Posted July 28, 2007 Author Report Share Posted July 28, 2007 Should i contact the CA and tell them i am going to send money orders for the last 2 payments?Then change my bank acount info....Then dispute the debt with the CRA's?Man, i really wish i knew what i do know... this sucks.. Link to comment Share on other sites More sharing options...
TomTomTuning Posted July 28, 2007 Author Report Share Posted July 28, 2007 Since the CA already took the first payment.. what should i do....Should i just Cancel the other 2 payments with the CA. And send the OC the DV..... Or dispute with the CRA?I wish i never sent it, i think this one is going to be a pain. Its also the one that is a duplicate as well.If i decide to pay the remaining balance, can i still contact verizon about them since i sent the CA a payment? and ask for a PFD if i pay the remaining balance off?Its only duplicated one CRA, and not the other 2, So what if the other to CRA's dont delete them? if i dispute them. Link to comment Share on other sites More sharing options...
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