My possible success!

[ecredit]

Hi, hope I'm not speaking too soon. I spoke with one of the creditors who placed a bad debt on my equafax report in Canada which I'm sure the US accesses as well.
I explained to him all the details of what my perception of the situation was and presented it as a misunderstanding between parties.
I was open and ready to work things out.
He told me he would fix the error and place it as account closed at customer request with R1 rating. He also told me to call another number Tuesday of this week, affiliated with his office to have them send me a 0 balance letter.
I am hoping that this is real and that it goes smoothly. He stated that equafax won't have it updated from their side for 3-4 weeks. Makes it difficult to find work in the meantime holding off untill all is clear.
He is the one collector that I have spoken with who was honest to say they would be able to reverse the rating in my favor!

[improving]

That is great news and encouraging to all.

As you'll read on here - creditor's and ca's can make changes in your favor - you just need to EXPLAIN over and over (like you're talking to a 2 year old) and maybe eventually they'll get it!! And make things right.

[jjgross]

Originally Posted by improving

That is great news and encouraging to all.

As you'll read on here - creditor's and ca's can make changes in your favor - you just need to EXPLAIN over and over (like you're talking to a 2 year old) and maybe eventually they'll get it!! And make things right.

Try talking to Bombay bob and see what you get and how far you get.I had one tell me they didn't have a supervisor,which produced my sarcasm.Well how do we know that you guys are not sitting around nude with party hats and people having sex everywhere there.He had no sense of humour.:D

[ecredit]

LMAO...Glad to hear I am not the only one that is affect by the Bombay Bob's! What the H is going on when you have NO supervisor or manager on the floor? Customer service should be dealt with, within the state or province that the collection is and each person answering the phone should clearly be able to access proper supervision on the floor. I know in Canada that you have to have a supervisor on the floor for collections. Also you have the right to take first and last name and ID number of the CSR in charge of the file in order to file complaints or compliments(like that's gonna happen!) with the Ministry. This not only applies to collections but to any agency being represented by phone using CSR's. Anyway you made my day! Haven't laughed so hard in awhile.

[jjgross]

Originally Posted by ecredit

LMAO...Glad to hear I am not the only one that is affect by the Bombay Bob's! What the H is going on when you have NO supervisor or manager on the floor? Customer service should be dealt with, within the state or province that the collection is and each person answering the phone should clearly be able to access proper supervision on the floor. I know in Canada that you have to have a supervisor on the floor for collections. Also you have the right to take first and last name and ID number of the CSR in charge of the file in order to file complaints or compliments(like that's gonna happen!) with the Ministry. This not only applies to collections but to any agency being represented by phone using CSR's. Anyway you made my day! Haven't laughed so hard in awhile.

Well there's times you have to have a little humor in credit repair.:D:D:D