Okay, I have an acct with Best Buy that at one time I had gone 90 days late on due to moving and lack of organization(if I had only known)....In anycase it looks like this on my cr. HB/BESTBUY Account Number: 700169110008.... / Date Opened: 10/2000 Status: Collection account/Current, was past due 90 days. My question is, I get statements from them(HB) every month with interest accruing, which I was paying up until now. Because Im also receiving letters and phone calls from a separate collection agency on the same debt. What is the best route to take on this one..when I call Best Buy they tell me that my acct is being handled by...."collection agency ph#.." I can pay this off, but I want it removed from my CR, who do I talk to? OC or CA? Confused...thanks for any advice.
I would call that CA number, get their address and then I would send a validation request to the CA handling the account, and then play the dispute game with the CRA's and see if you can get it reduced.
Now you got me confused ... you make the payments they want in their statements, but they have sent your account to a CA?
