I have a situation that I need your assistance with. I got my TU report and there are two new negatives. In 98, I had a charge off with First Premier (that still shows) and now they have sold it to Arrow Financial and it TOO is appearing on my CR. Also, an old phone bill is showing up for the 3rd time, as this is the third time it's been sold to an additional collection agency. Anyone with any insight as to how I can handle this, would be appreciated. Thanks,
Hi Shantel Who ever (CA) is holding the account is the authorized agent to collect. If multiple CA are reporting they are in violation. Let them know you will report them!! Go after all of them at the same time with the validation letters. Collectors first w/ the validation letter along with statement of being in violation and not being the authorized agent, then go after the creditor. Just to be on the safe side.... I agree w/ Cyprigirl...... ;-) Along with your validation letter....I would send them a cease and desist only in writing may they contact me..LOL!!
