Question about Consolidating

[leahnc]

I have 5 separate account numbers all from different dates of service.

The Collection Agency is: Absolute Collection Agency (medical bills)

They are only 2 year old accounts.

 

Only one of the accounts is showing up under Collections on EQ, EX, and TU credit reports in the amount of 222.00

 

I sent a letter to the creditor asking them to consolidate the 5 accounts so I could make monthly payments over 12 months. The accounts total $1368.00.

 

I asked them in the letter to verify the total of all accounts & asked them if they agreed to my payment plan of $114.00 for 12 months. The letter went on to say that if they agreed to my payment plan to sign & date the letter & return it to me. ----- They never did.

 

About a week later, they call me. They asked me for payment in full on one of the accounts. I asked the representative if they ever received my letter & she dodged the question more than once. I asked if my account had been noted that I would like my accounts consolidated so I can make manageable monthly payments - again she dodged my questions?

 

So anyway after all that - I decided to just start making payments. I caved in & decided to just start paying on it = The sooner I pay if off the sooner I cant put this behind me.

 

Ive been assigned to a representative that is pretty rude & she tries to get me off the phone as quick as she can - Its rather annoying.. She doesnt confirm anything with me & if she does answer my questions its a quick response without explanation. IF I ask to speak to a manager she says she is one.

 

I made my first payment last week for $114.00. Now there is a new comment on my Experian report that says this account is seriously Delinquent? It just showed up? I think its crappy that I make payment to them for the 1st time in 2 years and they add that comment to my report? Did I screw up consolidating these accounts? I fear that all 5 account #s are going to eventually show up on the reports too?

 

Thanks

[bonbonXO]

Who did you send payment to the OC or the CA?

If you asked a CA to consolidate several accounts, some that were reporting to your CR and others that were not, and then sent a payment to the same CA you may have lost a lot of leverage.