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Credit report shows $20 in collections

Discussion in 'Other Off Topic Forum' started by w8lifter21, Sep 29, 2009.

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  1. w8lifter21

    w8lifter21 Rookie

    Aug 6, 2009
    17
    Lake County
    Full Name:
    Jay
    #1 w8lifter21, Sep 29, 2009
    Turns out I have $20 in collections from a $30 "late" parking ticket from 2007. I have tried to contact the company to pay this $20 just to get this stupid thing off my report, but it appears they are out of business.

    Computer Collection Services
    5340 N Clark St
    Chicago, IL 60640-2167
    (773) 989-5574

    BBB Accreditation expired in Aug, and it looks like the company has gone out of business.

    Next steps to take to get this thing off my report? Don't feel like waiting until 2014 for it to fall off.
     
  2. rcm360

    rcm360 Formula Junior

    Nov 16, 2003
    343
    Kansas
    Full Name:
    Reese
    #2 rcm360, Sep 29, 2009
    dispute the charge to the credit reporting agencies and if the company did go out of business and it cannot be shown as a legitimate issue it should come off of your report. If you did however owe the charge and were late for whatever reason than it will stay.
     
  3. ROGUE GTS

    ROGUE GTS Formula Junior

    May 24, 2004
    835
    Kalifornia
    #3 ROGUE GTS, Oct 13, 2009
    Few things:

    Dispute in writing, and make them provide the information of who (name) confirmed the debt, amount owed, date it was first owed, and who was the original creditor (before the collection company).

    If they can't they should delete. Don't do the internet dispute, you will get some blanket automatic reply.

    Make sure the debt hasn't been sold again to another collection company.

    http://whychat.5u.com/
     
  4. SrfCity

    SrfCity F1 World Champ

    Nov 1, 2003
    10,142
    Orange County, CA
    #4 SrfCity, Oct 13, 2009
    Yea, I seem to recall if you dispute in writing they in turn send a letter to the creditor. If they don't respond within a certain time frame then it gets removed.
     

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