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  1. It’s Tempoe/Whynotleaseit. There is an arbitration clause. It lists two arbitration organizations to use. However, I’m not sure how this works exactly. If I contact one of the arbitration companies listed will they walk me through it? Has anyone here on the boards done this before that could chime in? Thank you for all the input thus far.
  2. Update - I spoke with SCS. They said they no longer have the account and sold it to Federal Pacific credit company which is also known as V&H per the SCS rep I spoke with. So should I try to negotiate with so should I try to negotiate with V&H?
  3. I’m not sure about the OC maybe contacting V & H first, but I think you’re absolutely right that there’s a good possibility V&H phished the info. The first person I spoke to on the phone there absolutely refused to answer me when I asked how this account came to be in their office. I asked several different ways and she started getting agitated. That’s when she transferred me to the supervisor. Each time I asked how they came to have this account all she would say is “your account was placed for collection.” I have spoken to the OC multiple times and each time the only collection agency they mention is SCS. Oddly, I’ve contacted SCS by phone and I only get a voicemail asking that a message be left & they’ll return the call. I did send the WhyChat cease & desist (not refusal to pay) letter to V&H today kind of in a panic. I don’t feel comfortable paying them at all but would be willing to pay SCS - Do you agree this would be the way to go if I’m going to pay anyone at all since the OC has verified to me by phone that this is where they placed the collection?
  4. It’s not out of SOL. It was just placed in collections in 2018. I have to look it up to get the exact date, but the DOFD is in 2017. I believe in my state the SOL is four years. I’m in Florida. So there’s a chance they may come after me, I know. At this point, honestly, I would just pay it but I’m afraid to pay them and have the original collection agency keep trying to collect also.
  5. I posted about this a few months ago, but got no responses. Please help!!! I have a collection that is mine. Two different companies have placed this collection on my CR's. One is Vance & Huffman. The other is Security Credit Services (SCS). The OC said they placed the collection with SCS. OC will not accept payment from me. I've called multiple times and offered and spoken with multiple people at the OC. Vance & Huffman called me and family today. Voicemail says "I need to speak with you about some paperwork on my desk and make sure you are aware." I called them back not knowing who they were. It was not the best call. I know better, but I spoke with them. They refused to give me their address at first. Then they would not directly answer me when I asked how they obtained this debt and how they know it's mine. It was very obvious the OC did not place it with them. In the end, a "supervisor" came on the phone who was nicer but her response was "your debt was placed for collection with ______ (OC)." She also said "your debt was sold." Call ended by me saying I would be submitting a written response to them. She said "Ok, I'll continue to mark this as a refusal to pay." I said ok, which I probably should not have. What do I do? I'm afraid at this point they're going to come after with a suit. I honestly just want this off my report. I will pay but I'm afraid to pay Vance & Huffman if they don't really own it. I have read, etc. and I'm not knew to the credit issue stuff, but it's been a long time since I've had to deal with a collection. What type of letter do I send - one of Whychat's? Additional info - it's about $1200. I received a letter from them recently offering to settle for $700.
  6. Another quick update - Vance & Hoffman has left a couple of messages on my voicemail stating they're "calling in reference to a file received here in my office." Is this any kind of violation since they did not identify themselves as a debt collector?
  7. I agree. The collection agency on my reports is Security Credit Services. I have never received anything from them, but they popped up a few months ago. In doing some research online, it does look like SCS buys debts and then enlists other entities to collect. Can both parties (SCS & Vance and Hoffman) collect from me - i.e., can they both place the account on my credit reports? Or is now a good time to dispute the SCS account on my reports? Also, the debt is mine. It's around $1200. It's only 2 years old. Should I just pay it or should I go through the motions of seeing if I can get the CA's/JDB's to back off? I tried paying the OC the same month it went to collections, but it was too late they said and they wouldn't take the payment. The only other collections I have left are Midland and they aren't budging for anything, but are finally due to fall off in a year.
  8. I received a letter today from Vance & Huffman, LLC stating another company has placed my debt with them. This debt is listed as a collection on my reports right now but by another collection agency. Two can't own the debt, right? My first thought was to send WhyChat's "Letter to Collection Agency Validation/..." but I wondered if anyone has any knowledge of this company and/or if there are any other suggestions. I did a search here and didn't find very much information on them. My reports are nearly clean and I can't stand the thought of having another collection pop up on me.
  9. It's the bank reporting. I just called them. The acct was closed in 2011. She said I could speak to someone about getting it resolved - but I should get it in writing that if I pay they will delete, right? And I'm thinking if they won't delete, I should just let it ride? My score just dropped 37 points due to this being added.
  10. I am so annoyed. I would've paid the $43 had I known it existed. This acct was a checking acct that I closed at least 4-5 years ago, possibly more. Today I got a notice my CR had "changed" and when I checked the alert, this $43 charge-off had been reported. What can I do? I have no problem paying it, but I'm so annoyed that I got no letter, etc. giving me the chance to pay that if they can't validly collect I want to get it off my report without paying. Is there a SOL on checking accounts?
  11. Your Age? 43 Your Equifax Credit Score? 584 (Fico Auto Score 8) Your Experian Credit Score? 563 (Fico Auto Score 8) Your TransUnion Credit Score? 614 (Fico Auto Score 8) How many years have you been on file with Equifax? 19 years How many years have you been on file with Experian? 11 years How many years have you been on file with TransUnion? 11 years YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? no, but I have a voluntary surrender on file from 2014 with a charge-off listed Will this open auto loan be a trade-in? How many late pays within the last 12 months on the currently open loan? How many late pays within the last 13-24 months on the currently open loan? Your current open auto loan is financed with? Your current open auto loan payment is? Estimated amount you may be upside down in this vehicle? Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 0; I have two previous auto loans showing paid and closed from 2011 & 2008 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 2 Total percentage utilized overall? 90% How many of your revolving accounts are store cards? 0 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 2 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 3+ years Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? $1800 How long have you held your current job? 10 months (but have been in same field 15 years) Your total provable monthly gross income is? $7000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) computerized paycheck stub Is there additional monthly income? What amount monthly? $500 child support monthly Describe the source. Is the additional monthly income provable? Yes, by check stubs. Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $1000 Does any credit repository contain any Public Record? Yes If yes, please very briefly describe. Bankruptcy 2010 Does any credit repository contain any Collection Account(s)? Yes If yes, please very briefly describe. 2 that originated in 2014. One for $850 and one for $980. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) now - 8; previously 4 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 4 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 4 New or Used vehicle you are considering: 2016 Nissan Altima (sticker price $31,665)
  12. Thank you - I thought so and it seems that's exactly the case. Just wanted a second opinion!
  13. I'm pretty sure it is, just would like confirmation if possible. I have a balance of a little over $400 on a closed CU CC that I've been making regular payments on. I noticed CCT has my utilization as higher than it is. Any input on as to whether I should try to pay off this $400+ balance in hopes of seeing a score increase? My utilization without this account included is about 50%. With the closed account balance factored in (per CCT), utilization is about 90%. Or would I be better off paying the two open cards I have down to below 30% (or lower, I know) as far as seeing a score increase?

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