Jump to content

Need advice on : $ 75 Private parking-ticket => Collection Agency Account ==> Dragging my score by hundred points

The last post in this topic was posted 3193 days ago. 


We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts

== One and half year ago, June 2012 ==

About one and half year ago, I had gone to an apartment complext, to discuss with them about lease transfer from my friend who was staying there. Obviously I had parked in the "Future Resident" parkin spot.

By the time I buzz my friends door and call him down, and enter the building leasing-office, I am told, that a parking-notice ticket was served. (I honestly do not remember about that ticket. Don't remember seeing it, or anything about it.)


== January 2013 ==

I have started monitoring my credit score using myFico thing and it has been showing excellent score.

Dec. 2014 my score stood at 800


== 15 Dec 2014 ==

I was talking with my bank about my mortgage, where they mention me about the "Collection account" in my credit report and my actual experian score being 668.


Upon further enquiry, I found that I have a "collection account" in the amount of $75. from


== Collection account ==

PO BOX 55849
(206) 367-1720
Account Number:
Original Creditor:
Address Identification Number:
Status: Collection account. $72 past due as of
Jan 2014.
Status Details: This account is scheduled to continue on
record until Apr 2020.
Date Opened:
Reported Since:
Date of Status:
Last Reported:
Credit Limit/Original Amount:
Recent Balance:
$72 as of 01/2014



This single item is dragging my score down by (probably) 100 points. I have tried to contact the original Creditor and CA people over phone asking if there is any way of removing this collection account against my name, and I was not successfull.


I am thinking of following three options (in order of likelyhood)

1. Contact Lexington-Law and with their help ask the original creditors to let go of the original credit, with incentives.

2. Pay of the Collection-Agency full amount

( Q : Can any one tell how much it will impact my credit score ? )


Can someone with experience with small amount (<$100) collection-account please help me out with what is the correct course I should take ?

Also I did not understand why my "FICO" score from equifax is "800" but my bank-person is saying experian score is "668" ?
Can they have such big differences in them ?



Link to comment
Share on other sites

The last post in this topic was posted 3193 days ago. 


We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.


  • Member Statistics

    • Total Members
    • Most Online

    Newest Member
  • Create New...

Important Information