First steps- Just realized I have a collection on CR

[Goldy]

It just came to my attention that I have a collection on my CR. I think I would like to offer the Credit Agency a Pay for Delete offer.

This collections is most likely valid. At the time I was moving and missed last payment on a Qwest internet acct the amount was only $61. I never recieved written or telephone notice that money was owed but I didn't forward my mail from the previous address until recently.

Should I contact the CA before hand to determine the total amount to settle the debt?

What is the likelyhood of them accepting the terms as stated in Pay for Delete sample letter 2?

Any other advice on how to handle the situation?

Thanks in advance for your response.

[Trish]

I would try contacting Qwest first. Always deal with the original creditor if at all possible.
You should just call up Qwest and see if they will take payment from you. If the account was only assigned to the CA (and not sold) then they should be able to pull the account from the CA.

Then the CA has no right to report the debt and it will be deleted.
Just to be safe, it would also be a good idea to put a restrictive endorsement on the check stating that the payment is ONLY for Qwest to deposit (so they don't try and transfer the payment to the CA).

That is what I would try first. CAs are just shady....you can't trust them.

[jjgross]

Originally Posted by Goldy

It just came to my attention that I have a collection on my CR. I think I would like to offer the Credit Agency a Pay for Delete offer.

This collections is most likely valid. At the time I was moving and missed last payment on a Qwest internet acct the amount was only $61. I never recieved written or telephone notice that money was owed but I didn't forward my mail from the previous address until recently.

Should I contact the CA before hand to determine the total amount to settle the debt?

What is the likelyhood of them accepting the terms as stated in Pay for Delete sample letter 2?

Any other advice on how to handle the situation?

Thanks in advance for your response.

Have you tried contacting qwest about and explain and if you could pay them and then dispute the account with the ca.

[Goldy]

According to my credit report the collection was "assigned" 12-2008. So I will go this route.

If I pay Qwest then I would just dispute the charges with with the collection agency or the Credit reporting ageny?

[Trish]

Originally Posted by Goldy

According to my credit report the collection was "assigned" 12-2008. So I will go this route.

If I pay Qwest then I would just dispute the charges with with the collection agency or the Credit reporting ageny?

You would just dispute with the CRAs.