Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Cards
Profile Image

Question By
Yas22

0 Contributions
0 People Helped
Called collection company to pay 3 accounts sent to collection. They cant find my case?
Ive been sent to collection for 3 credit cards. They are all owned by the same bank. The bank sent me to collection a third party collection- i called the collection agency- which is the agency it shows on my report they said they cant locate me? And that they will check every 3days and see if i come up. If
I do they will call me and for me to feel free to call them. This is new to me i called to pay it off. It had been 1 year and its less than $2000 owed. Im confused. Is it normal for them not to be able to locate me even though they have called me so many times in the past ?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
12048 Contributions
4532 People Helped

It would help if you read the articles here to understand how credit works, what the statute of limitations on collections is and how to negotiate a 'pay for delete' agreement.  And it is mnever a good idea to call a collection agency since the "phone drones" who answer follow a scsrikpt and

Top Contributor
7816 Contributions
1507 People Helped

Is it possible that they sold the account to another debt collection company? I would dispute the account that this company shows on your credit reports. Transunion, Equifax and Experian all have websites with instructions on how to dispute accounts. If this doesn't work or if a new account from a different collection company pops up on your reports, try to get a "pay for delete agreement" as you want the collections removed rather than just marked as paid for the greatest benefit to yourself.

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.