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ABD74

Didn't know account was in collections for 2 years- where do I start?

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Hi everyone,

 

I'm REALLY new to this forum and to DIY credit repair so I have a lot of questions. I've been researching tips online, reading threads on different forums, and bought books on credit repair. However, nothing beats having a conversation so in advance, I appreciate any help/ advice that can be given to me.

 

I've ordered my credit reports and have reviewed them. I'm in the process of creating letters to be sent to the bureaus. But there is a question that I have about one of my accounts.

 

It's a Comcast Bill that was apparently sent to collections in 2009 for a mere $67. I am completely unaware that this was sent to collections because in 2011, I opened a new Comcast account (which I still have) and I thought I settled my unpaid debt I had with them. I doubt they would have let me open a new account if I still had a debt to pay. I don't have any letters from them, and I'm currently a great customer with no late payments.

 

What is the first step that you advise I do? Validate the debt with the bureaus? Go straight to the collection agency? Contact Comcast directly and negotiate a pay for delete?

 

I really appreciate your response!

 

P.S. I know I should check my credit report frequently, and I'm just starting to face my fear of looking at my credit report and tackling the obstacle. I used to set it aside, dreading facing my poor financial situation from my past, but I have a goal to do what I can.

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I would first dispute with the credit bureaus: 

 

http://www.creditinfocenter.com/repair/Repair.shtml

 

Next I would try a 623 method: 

 

http://www.creditinfocenter.com/repair/DisputingWithOriginalCreditor.shtml

 

Then I would try Pay for Delete: 

 

http://www.creditinfocenter.com/debt/pay-for-delete.shtml

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Wow... thank you. If I hadn't asked, I probably would've contacted Comcast first or the collection agency first.

 

Is there a reason why I wouldn't contact them first?

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If you dispute with the credit bureaus and it comes off, BAM!  you're done.  The collection agency is notified if you dispute through e-OSCAR.  If they don't respond or don't have evidence, they have to delete. 

 

However, I don't see anything wrong with calling Comcast.  They could recall the collection, then the collection agency would have to remove.  However, I suspect that they will just refer you to the collection agency.  

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