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Real Time Collection


Servant
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A property I was buying was foreclosed on March 2017. I rented it and moved from that property. My renter stopped paying his rent several months after moving in. When I moved I moved out of state which made it difficult to manage.  The condo association sued me for unpaid assessments and took possession of my unit. They rented my unit to pay assessments. I don’t know how much money they collected before foreclosure. I had a small home equity loan too. That is where Real Time Collection comes in. In July 2021 I settled with them for $700. Specialized Svc. did a charge off. Now Real Time update my credit report to a later settlement date September 2021 settled for less than owed. How do I get this off my credit. Both Specialized Svc. and Real Time Collection are on my credit report showing 30/60/120 late pays. How do I resolve l tried disputing that is when they extended their time on my credit report.

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2 hours ago, Servant said:

A property I was buying was foreclosed on March 2017. I rented it and moved from that property. My renter stopped paying his rent several months after moving in. When I moved I moved out of state which made it difficult to manage.  The condo association sued me for unpaid assessments and took possession of my unit. They rented my unit to pay assessments. I don’t know how much money they collected before foreclosure. I had a small home equity loan too. That is where Real Time Collection comes in. In July 2021 I settled with them for $700. Specialized Svc. did a charge off. Now Real Time update my credit report to a later settlement date September 2021 settled for less than owed. How do I get this off my credit. Both Specialized Svc. and Real Time Collection are on my credit report showing 30/60/120 late pays. How do I resolve l tried disputing that is when they extended their time on my credit report.

Is Specialized Svc the Original Creditor?  If so does their reporting mirror Real Time's?  I would send another dispute questioning the date the account was settled. Moving that date is a no-no.

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