Unknown Collection from Enhanced Recovery

[harryfpotter]

I'm building credit from zero, no open accounts and no negatives. I've applied for an received a Capital One Quicksilver One. I've since read that applying for credit triggers collections (and I've since opted out). A week ago I got a collection from Enhanced Recovery for less than $250. It has now landed on all three CRAs. It is four years old and the original account is AT&T.

I never received a dunning letter from Enhanced Recovery. This is my first time dealing with collections on my credit report. I believe I'm supposed to start with a debt validation letter sent by certified mail return receipt (or fax?). I was going to use this as a template.

http://www.debtclear.com/templates/DISPUTE-AND-DEBT-VALIDATION-REQUEST-FOR-30+-Days.pdf

I've seen a lot of advice on these letters. Some say hand write them them they won't be read by a computer. Others say never sign your name because they forge your signature. Also, I'm not sure what to do after I've sent this letter. What steps to I take with the CRAs to remove the debt?

I've found steps that start from the dunning letter, but I'm not sure how to proceed when it lands on my credit report without a dunning letter. If there ever was a dunning letter it would have been four years ago.

[TX-Bluebonnet]

Do you know if it's out of SOL? Or, if you're not sure, what's your state and the DOFD on the AT&T account?

[SeriouslyGordz]

I disputed a collection from AT&T and it fell right off because they could not produce an itemized invoice to explain the extremely high collection charge. Chances are if you dispute, neither Enhanced Recovery or AT&T can explain the amount they are collecting for which is most likely isn't the amount you originally owed when services were interrupted.

[dockworker]

DV them, they tend to fold easy.

[JunkBuyersWorstNightmare]

I disputed a collection from AT&T and it fell right off because they could not produce an itemized invoice to explain the extremely high collection charge. Chances are if you dispute, neither Enhanced Recovery or AT&T can explain the amount they are collecting for which is most likely isn't the amount you originally owed when services were interrupted.

 

+1.

[ultra2207]

DV them, they tend to fold easy.

they popped up on my reports during my mortgage process. I sent a DV immediately and they were gone from all three reports within a few days.

 

 

sent via tapatalk

[Johnsfam7]

DV them, they tend to fold easy.

+1

 

I disputed Enhance Recovery last month via online with all 3 CRA's for a Comcast Bill 6 years old. It was deleted in 20 days from all bureaus...

Edited April 24, 2014 by Johnsfam7

[Pixicredit]

I just finished dealing with Enhanced Recovery.. They do fold very quickly. I disputed with the bureaus and sent a DV. Just got responses from TU and EX that the account was deleted. Still waiting on EQ. Enhanced Recovery STILL hasn't produced a DV and its been 30 days!

 

Hope this helps!

[CreditGuy03]

I sent a DV to them April 1, Today April 24 they are gone

 

Also they are not licensed to do business in Texas so I was ready for them

Edited April 25, 2014 by CreditGuy03

[harryfpotter]

I asked this in another thread; should I send them mail from a Texas address? There are plenty of mail forwarding services. Using a forwarding service, I can send them a CMRRR telling them to respond to a Texas address and say that they are not bonded in Texas.

 

It is my only derog. It is for less than ~$250. I'm looking to hammer them as hard as possible so they decide I'm not worth it.

[CG in TX]

 

I asked this in another thread; should I send them mail from a Texas address?

I would not recommend this under any circumstances, for a variety of reasons.

[harryfpotter]

@CGinTX What would be the primary reason?

[LKH]

I asked this in another thread; should I send them mail from a Texas address? There are plenty of mail forwarding services. Using a forwarding service, I can send them a CMRRR telling them to respond to a Texas address and say that they are not bonded in Texas.

 

It is my only derog. It is for less than ~$250. I'm looking to hammer them as hard as possible so they decide I'm not worth it.

Trying to pull stuff like that serves no purpose but to possibly make life a little more difficult for those that try things like this. Just send a DV as advised.

[harryfpotter]

Okay, okay... I'm going to just send a DV as advised. I'm going to try using this flow chart, so that when I get my return receipt, then I am going to contest with the CRAs.

 

http://creditboards.com/forums/index.php?showtopic=428895

 

Thank you all for your help. I'll let you know how this goes.

[CreditGuy03]

With them just send a simple DV.

[harryfpotter]

My Name

My Address

April 28th, 2014

Re: Account 1234XXXX

Dear Enhanced Recovery,

You have added information to my credit report. I dispute your claims in their entirety and request validation pursuant to the FDCPA.

Be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a validation, that is, competent evidence that I have some contractual obligation to pay you. Also, please provide the original creditor's name, address, and date of last activity.

It is inconvenient for me to communicate by phone. Send all communication to the address above.

Sincerely,

My Name

--

This is a draft of my validation letter based on what I've read in the forums. I want to send it tomorrow morning. The account number will be as it appears on my Equifax report. No signature.

How does it look?

[CreditGuy03]

Looks good

[harryfpotter]

The DV is in the mail and I'm tracking it's progress at the post office web site.

[BDK]

 

My Name

My Address

April 28th, 2014

Re: Account 1234XXXX

Dear Enhanced Recovery,

You have added information to my credit report. I dispute your claims in their entirety and request validation pursuant to the FDCPA.

Be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a validation, that is, competent evidence that I have some contractual obligation to pay you. Also, please provide the original creditor's name, address, and date of last activity.

It is inconvenient for me to communicate by phone. Send all communication to the address above.

Sincerely,

My Name

--

This is a draft of my validation letter based on what I've read in the forums. I want to send it tomorrow morning. The account number will be as it appears on my Equifax report. No signature.

How does it look?

 

Perfect.

 

The DV is in the mail and I'm tracking it's progress at the post office web site.

The instant it is received, send dispute letter to CRA. Have it ready to go so you can send immediately.

[ultra2207]

 

My Name

My Address

April 28th, 2014

Re: Account 1234XXXX

Dear Enhanced Recovery,

You have added information to my credit report. I dispute your claims in their entirety and request validation pursuant to the FDCPA.

Be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a validation, that is, competent evidence that I have some contractual obligation to pay you. Also, please provide the original creditor's name, address, and date of last activity.

It is inconvenient for me to communicate by phone. Send all communication to the address above.

Sincerely,

My Name

--

This is a draft of my validation letter based on what I've read in the forums. I want to send it tomorrow morning. The account number will be as it appears on my Equifax report. No signature.

How does it look?

 

Perfect.

The DV is in the mail and I'm tracking it's progress at the post office web site.

The instant it is received, send dispute letter to CRA. Have it ready to go so you can send immediately.

in my opinion I wouldn't advise this. If anything it may cause a delay. It seems like enhanced folds after pretty much every DV. I'd just send the DV and watch it fall off the report.

 

 

sent via tapatalk

[bravegirl]

Do a DV asap. I just got a collection from them deleted from my reports. Like you I'd never received a dunning letter and only found out about it after reviewing my reports.

 

Received Enhanced Recovery's response to my DV and they included docs from a bill from 2008! Needless to say they deleted from my CRs.

 

ASAP.

Edited May 6, 2014 by bravegirl

[harryfpotter]

Thank you everyone. My DV arrived today. @BDK says to send a letter to the CRAs. Could do. @ultra2207 says that with ERC it's better to just wait on the DV because they fold so easily. I'm going to wait because so many people said to simply DV. Does anyone feel strongly that I should one-two punch?

 

Thank you for all the community support. This has been a great experience thanks to CB.

 

Also, my EX FAKO went up. It started at 732, then down 604 thanks to ERC, now 626. Yes, just a FAKO, but its good to know that my score might recover even if I can't shake this ERC baddie.

[marqedsade]

The DV was the right move. They added a collection to my reports, and after some reading here, I DVed em. Within 2 weeks of them receiving the reports, collection deleted from all 3 reports.

[bravegirl]

The DV was the right move. They added a collection to my reports, and after some reading here, I DVed em. Within 2 weeks of them receiving the reports, collection deleted from all 3 reports.

+++++

[JunkBuyersWorstNightmare]

 

The DV was the right move. They added a collection to my reports, and after some reading here, I DVed em. Within 2 weeks of them receiving the reports, collection deleted from all 3 reports.

+++++