All Questions
9
questions
3
votes
1
answer
274
views
Can debt collections show up on my credit report if the collectors haven't contacted me first?
Can debt collectors report to credit bureaus when they haven't contacted me yet?
- 335
3
votes
2
answers
211
views
What is the most efficient way to dispute an invalid collection on a credit report?
I had a surgery and a ton of medical issues. All but one thing went through insurance. The healthcare provider for that one thing went straight to collections. I contacted them, and my insurance ...
- 131
2
votes
1
answer
185
views
Collections account on one credit report yet CreditKarma reports my scores are almost the same. Why?
I've been fighting with the credit reporting agencies to get an incorrect collections account removed from my report. Two of the three have complied, but TransUnion is being very stubborn. It's been ...
- 1,876
1
vote
2
answers
574
views
Best way to deal with a $2700 Collection for unpaid apartment expenses
I am looking to rent a townhome and I have a credit score of 762.
Over a month ago I got a notice about a new account on my credit report, so I look into it. $2800 collections notice from an ...
- 13
1
vote
4
answers
254
views
Payment plan with bank or negotiate with collection agency?
If I have a credit card bill that's months over due, I assume my credit is already shot because of the bill being overdue. The bank sent a notice that if I don't respond within a certain amount of ...
- 10.2k
3
votes
3
answers
386
views
Credit Score, Collection from 1 year ago, have not lived in america for 4 years
I used to live in America for 2 years, but i moved back to my home country in December 2012, i will however will be moving back to American next month. I checked my credit score (story behind why in ...
- 31
3
votes
1
answer
426
views
Should I communicate with a collections agency to dispute a claim after it's been deleted from my credit report?
A little over a month ago, I received a voicemail from a debt collections agency stating that they wanted to collect on $200 from an apartment complex that I moved out of 6 months earlier. I assumed ...
- 1,876
12
votes
3
answers
6k
views
How can I inform the collector that I have paid the landlord in full, to update my credit report? Will it help my credit score?
Unbeknownst to me, some apartment debt I paid had already been sold to a collections agency before I actually paid it. Now the collections agency still thinks I owe, (according to my TransUnion report)...
- 413
12
votes
4
answers
2k
views
Should I pay an erroneous bill in collections if it is a tiny amount?
I have a very small bill amounting to $43. I was billed this amount when a medical services company sent me a product that I did not order. (It was probably ordered on my behalf by a doctor I visited....
- 221