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RUI Credit Services


F1aReD
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Hi:

 

I keep getting automated phone calls from "RUI Credit Services", and today I finally called back. It's on a debt that I owe from my old electric bill. I think they've sent me 1 letter, which I lost/cant find, and when I asked them today if they could please mail me a new letter stating what the debt was for/how much I exactly owe, (I DO NOT dispute that I do owe it) the woman was very rude and wanted me to just pay by credit card over the phone, and told me I would not be getting any other mail/letters from them. She even said "you don't know that you owe it by now!?! It's been 3 months" It sounded like I was talking to a random person who didn't have a clue, not cordial at all, treated me like I was a piece of trash.

 

Anyways, last time I checked this was not on my credit report. Is it possible that if I pay this they will put something bad on my report after the fact? I want to just pay, I have the money, but I don't want to be screwed over. I don't know where to start.

 

Thanks

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That's the thing, I had an online account with the electric company and I paid a portion of the bill.(this was after I shutoff service) After that, they wouldn't let me send anything else to them. When I called today, I told the woman that same thing and she had a nasty response "yeah, and they send it right to us!"

 

I'll call the EC, but I'm wondering if they already sold it to RUI

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Does RUI purchase debts or are they merely a collector?   Not all collectors purchase debts.   In my opinion, it would be unusual for a utility company to sell a debt after only 3 months.

Sounds like they are assigned to me.  

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Well I called the electric company today and I was able to pay them directly over the phone. I only did it because I trust them, and they gave me a confirmation number, an email, and are going to send a receipt in the mail.

 

Is there anything I can do if they put something in my credit file after the fact? Or do you think it's probably not in my file since I am paying it basically right away?

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