Local Equifax Offices

Discussion in 'Credit Talk' started by OtherTerri, Jul 19, 2001.

  1. OtherTerri

    OtherTerri Well-Known Member

    The local Equifax office has a collection agency division. They contact me and check my credit report for some old medical bills.

    I am concerned that it will cause trouble if I dispute these items.

    I spoke to them last year (dumb,I know). Now I don't know how to proceed. I told them I would talk to them at a later time about paying the bills. I really can't afford to pay them, that is why they are not paid.

    Will the dispute letter be forwarded to the local office? Does anyone know the relationship between the collection and collection bureau divisions?

  2. bbauer

    bbauer Banned

    How is it that you feel that it will cause trouble if you start to fight them over it?

    In what way(s)

    The relationship between the local and the main office is not a concern. Just do your thing and go get them.
  3. OtherTerri

    OtherTerri Well-Known Member


    Because I was stupid last year and spoke to the man from the collection division, I am afraid he will know about it if I try to dispute the medical bills, and things will be worse. I have privacy manager on my phone, so I am sure he has stopped calling now because he can't get through. (I love privacy manager!)
  4. OtherTerri

    OtherTerri Well-Known Member

    The man who called was with the Credit Bureau of Columbus, but it is a collection agency. The Credit Bureau of Columbus is also the local Equifax office. Same location.

    There are inquiries from CBC on my credit report.
  5. breeze

    breeze Well-Known Member

    Turnover is very high in that industry ;) That person is not likely to still be working there.

    I doubt they made notes anyway.

  6. bbauer

    bbauer Banned

    None of those things are going to make any difference whatsoever.

    You can't run scared in this game.

    If you are going to win at this game, you have to get yourself some kind of a bloody club and start swinging.If you don't, you get nowhere at all. In fact, you just end up worse off.

    So what if he remembers you? What good is that going to do him? If he had $1.00 and the rememberance of you he might be able to get himself a cup of coffee and that's about all.

    So just step up to the plate and start swinging. That dude ain't gonna bite you.
  7. OtherTerri

    OtherTerri Well-Known Member

    Won't it hurt that I was talking to him about possibly making payment arrangements?
  8. NanaC

    NanaC Well-Known Member

    I really don't think you'll find a problem at all..I made mistakes before I knew what I knew now and they have never come back and caused problems. :)
  9. bbauer

    bbauer Banned

    That's right, NanaC:

    I mean, after all, what are they gonna do, hang him on the court house steps at high noon because he talked to the dude a year ago??

    Any conversation he had with the dude or any promises he made with the dude back then are like so much wind over through the trees and the weeds.

    Only thing he don't want to do is to talk to them on the phone. Not that it would make any difference about what he told them or promised them a year ago, but it's just too easy for them to badger him on the phone.

    Although again, there are those exceptions, but under any and all normal situations, one should never talk to them on the phone anyway. Just not good practice.

    And if they call him, he should just tell them they are going to have to send him a letter about it because he isn't going to talk to them about anything on the phone.

    Then hang up on them

    That's the way one should handle those bozos. Just don't talk to them and then they can't badger you.
  10. OtherTerri

    OtherTerri Well-Known Member

    Is it common practice to have a collection agency at the same address as the credit bureau, and with the same name?
  11. lbrown59

    lbrown59 Well-Known Member

    if he didn't get it in writing he don't have it


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