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Found 3 results

  1. Hello all, New to the boards here, but I have to say the amount of knowledge that's shared is pretty amazing. I think that is awesome that everyone takes the time to help each other out as much as they can. I ruined my credit years back, and I'm finally on the road to redemption. I do plan on posting my trade lines here on the boards for some insight, but I'm running short on time. So it will have to wait until another day. I do however have a question regarding the collection agency, National Account Systems. I have a dental bill in the amount of $131.00 that was overlooked. My DW put the bill on the fridge and forgot about it. Subsequently the dental office sent it to collections. Now normally this wouldn't be a big deal, but my dentist and his partner had a falling out and went their separate ways. So my dentist is no longer partners at that office anymore. I called the dental office told them that I pulled my reports and seen that I forgot to pay my bill, due to the fact that the account is now in collections. I asked if I could come up to the office over my lunch break and pay it directly to them as I really didn't want to deal with the collection agency. The account manager at the dental office said she would talk to the dentist and get back to me. I explained to her that I would like to have the collection agency's negative tradeline removed upon full payment to them. A gesture of goodwill. For goodness sake, I've been going to them for years and always paid. Well she calls me back and tells me that the dentist would like me to deal with the collection agency due to the obligation he has per their agreement. However, she did say he had no problem with them removing any negative information once the account was paid. The account manager informed me that she had already called the collection agency and informed them I would be calling. She gave me the contact info for the CA and I called them as soon as I could. I called the CA up and spoke to the accounts manager for the company. He told me that the dental office called, told him what had happened and that we could get everything taken care of upon receipt of full payment. He had no issues with deleting the tradeline. Now I know what everyone says on these boards "Never call a CA!" Normally I live by that mantra, but I thought this was a special circumstance due to the situation and my relationship with my dental office. So the accounts manager tells me that if I want to pay over the phone with my card he can get that tradeline deleted ASAP. So right before I pay I ask what the total cost is going to be. He proceeds to tell me that it will be $131.00 for the past due bill and a $159.00 fee to delete the negative tradeline. I asked him why he did not inform me of this before he wanted to take my payment. Then it hit me, he works for a CA, and due to my laps in judgement, I almost thought they could actually do the right thing. I told him while I understood that he is in the business to collect on the behalf of his clients, that is an extremely unethical way to conduct business. Then credit boards popped into my head, and I told the CA "Thanks for your time and have a great day!" Now I have searched the boards, but all I can find is information related to PFD. My question is this. Is what this accounts manager did illegal. To me it really felt like I was being extorted. I know...I shouldn't be surprised. What I want to do is call them back and say that I have no choice but to pay their deletion fee, but I need it in writing before I pay. Something that say after receiving $290.00 the tradeline will be removed. That way I can show that the original balance will be satisfied, then the ball will be in their court to explain the other $159.00 charge. What do you all think? Sorry, first post! I will practice condensing my information! Thanks guys.
  2. http://www.latimes.com/business/la-fi-payday-loan-report-20130424,0,3975944.story The average borrower takes out 11 loans a year and pays a total of $574 in fees, the Consumer Financial Protection Bureau says in a new report.
  3. http://www.latimes.com/business/la-fi-lazarus-20130430,0,2015313.column Some Indian tribes are being paid to offer their sovereign immunity to payday lenders that are trying to dodge state regulations, U.S. officials say. Federal consumer protection agency may crack down.

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Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
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