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Palisades Collection for AT&T Bill

Date: Tue, 03/13/2007 - 19:38

Submitted by anonymous
on Tue, 03/13/2007 - 19:38

Posts: 202330 Credits: [Donate]

Total Replies: 2


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?


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.


lrhall41

Submitted by taki2u on Fri, 03/16/2007 - 08:18

( Posts: 88 | Credits: )


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.


lrhall41

Submitted by texaslawyer on Fri, 03/16/2007 - 14:30

( Posts: 258 | Credits: )