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HomeCredit ForumCredit repair

Unique National Collection is listed in my CR. What to do?

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Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1407



34596 Magic Points
 
 Posted on Fri Feb 01, 2008 7:10 am  
Hi Tiffster,

Great to hear that our community has been of some help to you. Hope to see you here more often. It will be great to interact with you Tiffster. Do keep us posted regarding your problem and whether it is getting solved or no.
_________________
Regards,
Laura.
 
Mari
Guest
Subject: I returned those books!!
 
 Posted on Fri Feb 22, 2008 10:24 pm  
I dont understand why the library referred me to this collection agency, Im 100% positive that I returned those books. Is there any way to prove that and get them to get it off my credit?

Thank you!!
 
Amber
Guest
 
 Posted on Fri Feb 29, 2008 8:56 pm  
is UNC just for collecting library debts?
 
Chad
Guest
Subject: THANKS STEPHANIE
 
 Posted on Tue Mar 04, 2008 6:22 pm  
I needed that number as well for "so called library book" and that helped. I also learned that they like to send you to voicemail.
 
Sharon
Guest
Subject: phone number and info
 
 Posted on Wed Mar 12, 2008 5:48 pm  
Just wanted to say that I too put in UNC in the google search and found this site, which was very, very useful. Networking is the best. If I find any useful info when I call them I will pass it on.
 
Richard
Moderator
Richard

Joined: 27 Jun 2006
Richard's page
Posts: 111



4654 Magic Points
 
 Posted on Thu Mar 13, 2008 6:28 am  
Thanks a lot Sharon for your efforts. We would really love to have you on the forums as a regular.
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The more you learn the more you earn. Join our community and enhance your knowledge.
 
leo
Guest
Subject: i need the number to call them
 
 Posted on Wed Mar 26, 2008 5:27 am  
I need the number to call UNIQUE NATIONAL
 
stbcc
Guest
Subject: UNIQUE NATIONAL COLLECTIONS Policy
 
 Posted on Wed Apr 02, 2008 9:52 pm  
This is what I found on the website of the collection company.

Under what conditions can we expunge an account from a patron's credit record?

According to our agreements with the credit bureaus, we can only expunge patron accounts in cases of bonafide error. For instance, we can expunge an account if the patron's materials were returned and not credited properly or if a patron's account has been incorrectly listed on another person's report. We can not expunge a patron's account as a condition of payment, nor can we expunge a patron's account because he or she moved without leaving a forwarding address.

Additional Note: It may take as long as 6-8 weeks for a patron's credit bureau report to be updated following an expunge or any other change to the patron's account. In the meantime, if a patron needs help securing a loan, UMS will do everything we can to help the patron. We can mail a letter to the patron or, with the patron's approval signature, we can provide updated information to the patron's creditors via telephone or fax.

It look like they don't clean up your cardit report even after you pay. has anyone able to make them clean up your cradit report? Shocked
 
marie
Guest
Subject: thanks a lot stephanie
 
 Posted on Fri Jun 27, 2008 2:09 pm  
I have been searching for the number to this agency for over 2 years, thank you stephanie
 
Michele
Guest
Subject: RE San Leandro Library Problem
 
 Posted on Thu Jul 03, 2008 7:50 pm  
I had checked out a library book but shortly therafter I had a serious medical injury that required medical care in a hopsital. After that I was hopsitalized over a half dozen times and when at home was forced into bedrest. Even though this went on for a few years, and I RETURNED THE ACTUAL BOOK TO THE LIBRARY, they continue to refuse to eliminate the fine.

To date, I am still disabled and living on a very small social security income. For most people the $37 dollars doesn't seem like much. But for me it is. I live on less than $200 per month, after housing costs, for all of my food, gas, medical costs, etc. Is there someone else besides the San Leandro Librarian, that I can plead my case to, to get this off my record?

Please help!

Sincerely,
Michele Cardona
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3235



2257 Magic Points
 
 Posted on Fri Jul 25, 2008 11:01 pm  
what is up with the libraries now, I never heard of libraries going to this end to collect late fees.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 376



4057 Magic Points
 
 Posted on Sat Jul 26, 2008 12:44 am  
I know! Who would give their SSN to a libary?
_________________
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Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:

www.homecreditrepair.net

http://homecreditrepair.hqforums.net/
 
Taina
Guest
Subject: Great Forum
 
 Posted on Thu Sep 25, 2008 3:02 pm  
I wanted to say thank you as well. I just called them with the information Stephanie gave and they were really great about providing information to pay them.

Apparently, the record will state that the collection is paid off and will be removed a year after that.
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 3236



1048 Magic Points
 
 Posted on Fri Sep 26, 2008 5:23 pm  
I know my library has never asked for my SS number but I quit going a few years ago. Is this something new they started?
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3235



2257 Magic Points
 
 Posted on Sat Sep 27, 2008 12:50 am  
Great to hear Tania, glad to see that you got help here, and thank you for coming here and giving us an update. It is always good to hear great news like this.

I hope you will consider registering and staying with us, your positive out come will help others.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
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