Advice Requested: Enhanced Recovery

[4myfuture]

Hi All-
New at this. Had a very small collection account with them. I contacted them and agreed to a PFD. I didn't get it in writing- FEELING LIKE AN salamander. I followed up with them as soon as the cc payment cleared. They said they would delete it immediately. They have not deleted it. The collection account is still reporting to the bureaus. I've already contacted the BBB and the State of Florida's Office of Financial regulations because of the bait and switch tactics and their retaliation for calling for accountability. But the issue is still on my credit. What do you suggest? I haven't heard back from either org yet other than they received the complaints. Do you have any other suggestions?

 

Thank you in advance.

[Wross]

They are not required to delete accurate reporting. You can't prove the bait and switch. Have they updated their reporting to show that it's paid? Perhaps they do their updates in batches. In my experience, Enhanced Recovery doesn't push back, at all. Wait a few months and they'll likely not bother verifying a CRA dispute.

[4myfuture]

Thank you Wross. They did update to show that its paid. Its still showing up as a full on collection and the new FICO reporting isn't going to kick in anytime soon to improve my score with a paid collection. I hope that you're right about the CRA dispute. THANK YOU for the advice. They were so incredibly rude after they got their $.

[cyberone28]

Just wait until all reports are marked as PAID, the. Dispute it with the big 3s. . Enhanced recovery won't verify once they are paid..

 

 

Next time you have a collection. .. The last thing you want to do is call them....... send a DV.. if they validate that the debt is yours, send a PFD. .. in writing. .. everything cmrr

Edited August 13, 2014 by cyberone28

[JunkBuyersWorstNightmare]

Just wait until all reports are marked as PAID, the. Dispute it with the big 3s. . Enhanced recovery won't verify once they are paid..

 

 

Next time you have a collection. .. The last thing you want to do is call them....... send a DV.. if they validate that the debt is yours, send a PFD. .. in writing. .. everything cmrr

 

+1.

[4myfuture]

Thank you. Do you think they're going to come after me (more- lol) because I reported them for bad business practices and "hurt" me by keeping it on there? They are reporting paid with a zero balance already.

[cyberone28]

Thank you. Do you think they're going to come after me (more- lol) because I reported them for bad business practices and "hurt" me by keeping it on there? They are reporting paid with a zero balance already.

Nah.. they don't care man... wait a few weeks and then dispute it use the jack attack, will get deleted easy.. remember use cmrr..

[4myfuture]

Okay! Perfect!!! I'll wait and follow your advice cyberone28. Thank you!