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Credit History Ki Unnecessary Bokka - Please Help


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Posted

Missed a final $200 payment when I was moving out of old apartment.. after 2 months they notified me and I immediately went to them and paid off.

 

Now after 10 months collection agency mail ochindi. For the same amount. Credit score chooste pedda hole.

 

Spoke to rental agency they said they dont have any dues on my account. About to talk to collection agency.

 

If collection agency says they cannot fix my credit score, can I do anything about it? Please help!

Posted

yes you can send all this in papers and ask rental agency to send out a letter to collection agency

  • Upvote 1
Posted

Anthe ba Emi cheyalem ... Had similar situation .. Naaku kaadu naa close friend... Bokka padindi credit history

Posted

em kaadhu, aa credit company vaadiki call chesthe investigate chestham, nuvvu bill clearoff chesinattu reciepts and oka form fill cheyamani cheptharu, oka two months tarwata neeku mail chestharu with updates on the case... same situation naaku kuda ayyindhi... fixed after two months of paper work... 

 

Posted

Missed a final $200 payment when I was moving out of old apartment.. after 2 months they notified me and I immediately went to them and paid off.

 

Now after 10 months collection agency mail ochindi. For the same amount. Credit score chooste pedda hole.

 

Spoke to rental agency they said they dont have any dues on my account. About to talk to collection agency.

 

If collection agency says they cannot fix my credit score, can I do anything about it? Please help!

 

asalu 2 months lo pay off chesthe collection agency varaku enduku vellindi?

 

collection agency tho deal cheseppudu chala careful ga unadali....nuvvu gabukkuna payoff chesina tarvatha use undadu

 

first vallu credit bureaus ki report chesesaremo kanukko....cheyyakapothe pay it off.....okavela already report chesi unte okasari nee credit monitoring service use chesi choosko...follow this procedure:

 

collection agency vallaki cal chesi jarigindi cheppu....aa amount kattesthanu (use a credit card)...ask them to REMOVE this....most of the times vallu PAID IN FULL ani report chestharu....adi kuda neeku bokke

 

and tell them you'll not dispute that amount with credit card company IF THEY REMOVE ALL INFORMATION ABOUT THIS DEBT FROM CREDIT REPORTING AGENCIES....get this confirmation in a letter (kavalante nenu rasina letter undi adi istha)

 

nenu successful ga got it removed.....got my 98 points back :D

  • Upvote 1
Posted

asalu 2 months lo pay off chesthe collection agency varaku enduku vellindi?

 

collection agency tho deal cheseppudu chala careful ga unadali....nuvvu gabukkuna payoff chesina tarvatha use undadu

 

first vallu credit bureaus ki report chesesaremo kanukko....cheyyakapothe pay it off.....okavela already report chesi unte okasari nee credit monitoring service use chesi choosko...follow this procedure:

 

collection agency vallaki cal chesi jarigindi cheppu....aa amount kattesthanu (use a credit card)...ask them to REMOVE this....most of the times vallu PAID IN FULL ani report chestharu....adi kuda neeku bokke

 

and tell them you'll not dispute that amount with credit card company IF THEY REMOVE ALL INFORMATION ABOUT THIS DEBT FROM CREDIT REPORTING AGENCIES....get this confirmation in a letter (kavalante nenu rasina letter undi adi istha)

 

nenu successful ga got it removed.....got my 98 points back :D

 

GP

Posted

yes you can send all this in papers and ask rental agency to send out a letter to collection agency

 

 

em kaadhu, aa credit company vaadiki call chesthe investigate chestham, nuvvu bill clearoff chesinattu reciepts and oka form fill cheyamani cheptharu, oka two months tarwata neeku mail chestharu with updates on the case... same situation naaku kuda ayyindhi... fixed after two months of paper work... 

 

Thank you much! I believe this would be the case..

Posted

asalu 2 months lo pay off chesthe collection agency varaku enduku vellindi?

 

collection agency tho deal cheseppudu chala careful ga unadali....nuvvu gabukkuna payoff chesina tarvatha use undadu

 

first vallu credit bureaus ki report chesesaremo kanukko....cheyyakapothe pay it off.....okavela already report chesi unte okasari nee credit monitoring service use chesi choosko...follow this procedure:

 

collection agency vallaki cal chesi jarigindi cheppu....aa amount kattesthanu (use a credit card)...ask them to REMOVE this....most of the times vallu PAID IN FULL ani report chestharu....adi kuda neeku bokke

 

and tell them you'll not dispute that amount with credit card company IF THEY REMOVE ALL INFORMATION ABOUT THIS DEBT FROM CREDIT REPORTING AGENCIES....get this confirmation in a letter (kavalante nenu rasina letter undi adi istha)

 

nenu successful ga got it removed.....got my 98 points back :D

 

Thanks for offering help bro.. please share your letter format for getting the confirmation letter from reporting agency.

 

I spoke with them, they said they would need a letter from rental agency and they assured that they will erase it from the history completely.

 

Meanwhile, my rental agency will take a day or two to provide me with a letter so it will be taken care of, hopefully!

 

Can you pm me the letter format, please?

Posted

You can get it removed by raising a Dispute with the credit agency ( Also provide proof that you paid off the full amount ).

Posted

Thanks for offering help bro.. please share your letter format for getting the confirmation letter from reporting agency.

 

I spoke with them, they said they would need a letter from rental agency and they assured that they will erase it from the history completely.

 

Meanwhile, my rental agency will take a day or two to provide me with a letter so it will be taken care of, hopefully!

 

Can you pm me the letter format, please?

 

 

http://tinypic.com/r/mmeskp/8

 

address and naa details teesesi ichanu...letter last lo sign cheyyi

 

nee case ki thaggattu modify chesko....good luck :)

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