What would be the wisest next step?

Date: Sat, 04/23/2011 - 00:08

Submitted by frenchbaby
on Sat, 04/23/2011 - 00:08

Posts: 4 Credits: [Donate]

Total Replies: 4

[COLOR=black]Problem with ER Solution Inc. There is a Sprint bill that my son had in my name in 3/07. It went deliquent in 6/07- 7/07. I paid on it but it went to CA. ER Solutions Inc. are the 2nd CA. since late 2009. Annually they change the Date Open, Date of Status and Last Reported for TransUnion and Experian. Each time it causes my credit score to drop 10-15 points as it looks like a new collection account. After the recent report, they mailed a settlement offer for 50%.The OC amount was around $325, their asking for $245.00.($490) I live in Missouri the SOL is 4-5 years on service accounts I believe. So they are coming close to SOL. I can't have them continuing to ding my score with the same account. What should my next step be? I haven't validated yet. But can they keeping changing dates as if it's a new account. Thanks in advanced:p[/COLOR]

Dates cannot be changed in order to make it a new account. You c

Dates cannot be changed in order to make it a new account. You can ask them to validate the debt and then pay off the amount for which the creditor/CA is ready to settle the debt.

lrhall41

Submitted by Anna Sweeting on Sat, 04/23/2011 - 01:13

( Posts: 1827 | Credits: )

If you paid on it until 09, that would change the SOL...so you w

If you paid on it until 09, that would change the SOL...so you would be looking at 2013 or 14.

lrhall41

Submitted by SOAPLADY on Sat, 04/23/2011 - 04:29

( Posts: 17315 | Credits: )

No payment as been made on the account since about June or July

No payment as been made on the account since about June or July of 2007. That payment would have been to Sprint.

lrhall41

Submitted by frenchbaby on Sun, 04/24/2011 - 02:41

( Posts: 4 | Credits: )

I received a wage garnishment notice from ECMC (c/o Premier Cred

I received a wage garnishment notice from ECMC (c/o Premier Credit). Repayment agreement is out of question because I dispute the total amount so I won't sign anything but should I respond to the wage garnishment notice to request a hearing although I have been out of work?

Thanks...

lrhall41

Submitted by spartakus on Mon, 04/25/2011 - 09:23

( Posts: 3 | Credits: )