Ok, I have now spent 2 days searching these boards on advice on what to do. Unfortunately, I'm really confused with all the abbreviations of everything its not really getting me anywhere.So I will post my situation and hopefully someone will be able to shed some light on things for me. A couple days ago I received a call from a collection agency out of New York. The guy was an absolute jerk right from the get go so naturally I was ticked from the start. Anyway, he said he was trying to collect on an account from Bank of America that I had had in like 2001 or something like that. I told him that I didn't know what account he was talking about but I would do some checking of my own. I asked him for the address and he said that it didn't matter what his address was as they would not accept a payment by mail. Well I told him that if they didn't accept a payment by mail then there was no way I was going to pay a dime as I WILL NOT give out bank acct, or credit card numbers over the phone. Anyway, he has called twice since then and this morning I blew up. I told him that I still hadn't verified the account and wasn't going to give him any numbers of any sort over the phone. He said that it wasn't that they wouldn't accept payment by mail it was that he wasn't going to tell the bank that there was a check in the mail since I hadn't paid in so long, he didn't trust me. I told him that he wanted to further communicate with me he could do it by mail and hung up the phone. He had also said that he was going to send me some papers saying my refusal to pay that I was supposed to sign. What can I do now? Did I do something wrong by telling him that if I couldn't send a payment by mail there was no other way I would pay? Also I pulled my credit report from Experian and it shows that I have 1 revolving account, one installment account, and one collection account. It shows an acct from Bank of America and the payment status is "Credit line closed-grantor requested-reported by subscriber" I also have another one from CBE group what ever that is, for $204. I have no clue what this is. A couple of credit cards that I paid off but one says just paid, was 60 days past due, credit line closed-consumer request, and the other says paid satisfactorily, credit line closed-consumer request. And still another that says paid, was past due 30 days, credit line closed-grantor request. for starters, I dont remember ever having 3 credit cards and the 2 I know I had I closed, they were not closed by anyone else. These are pulling my credit score way down even though they were paid off. Anyhow, any ideas on what to do now? Is there anyway to make my credit report look better? Help PLEASE!
Firstly, dispute tradelines that are not yours as (drum roll please)................................. . . . . . . NOT MINE! just adding a little humor here, but seriously you'd be surprised how those 2 little words can really help you out! dispute these with the Credit Reporting Agencies that are reporting them. The 3 big CRA's are: Experian aka "evil experian", EX Equifax aka "equi-fiction", EQ Trans Union aka "TU" good luck! bugman
When you get the letter from the Collection Agency (CA), then you will have their address and you should send them a validation request. If they call again, tell them that you need validation of this account, as you don't ever recall having an account with Bank of America. In the meantime, you should send your disputes to the three CRAs (Credit Reporting Agencies) as bugman said. One reason your scores are low is because of the closed accounts. It's better to keep them open and just not use them. Use them once every few months for a tank of gas or something, then pay the bill when it comes. Length of credit history, and the ratio of your balance to credit limits on open accounts are two big factors in scores. So keeping them open gives you length of history and not using them much helps your ratios. Of course, the ones closed by credit grantor hurt on a manual review.
Wiggins, Do this FIRST; http://consumers.creditnet.com/stra...d.php?s=&threadid=55502&highlight=memorialize Welcome aboard.
Did the caller who said the account was with B of A give any information on account number or when it was closed? So far, you have no reason to believe he is anything but a con man. Never, ever, give out your bank account information to any stranger.
