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 Posted: Tue Mar 13, 2007 7:38 pm Subject: Palisades Collection for AT&T Bill |
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I have palisades on my credit report for A T&T for $95.00. I did order the cell phone but A T&T told me that I had 14 days to return it. I never used the phone. I disputed it with TransUnion. It came back as vetified. what exactly does that mean? I told palisades that I returned the phone without using it and they told me if I did'nt owe it they would not be calling me. What does that mean? I am applying for a mortgage and I need to get this off my report. Should I just pay it off and then dispute it?
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konuorah
Joined: 13 Mar 2007
Posts: 1
Debtcc Points: 30
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| Posted: Fri Mar 16, 2007 8:18 am Subject: palisades collection |
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Just because you never used the phone doesn't mean you didn't sign a contract. Most are 1-2 years, if you are ending that contact early you will owe the early out fee. Check with AT&T, but if that is the only item on your credit report then you can just explain that to the loan officer and it shouldn't be a problem. I bought a house with 1 ding on my report and it was overlooked.
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taki2u
Joined: 29 Dec 2006
Posts: 93
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| Posted: Fri Mar 16, 2007 2:30 pm Subject: |
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Once you pay it off, it is too late to dispute. The dispute should come first unless the negative report is hurting your ability to get into a home and you don't have time to dispute the account. Then you may decide it is more cost effective to pay it off. $95 is not much, but some would fight for the principle of it. Cost benefit analysis should be used. Myself, I would tell them to go to hell, but I already own a house.
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texaslawyer
Debt Samaritan
Joined: 20 Dec 2006
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