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

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Dida
Guest
Subject: Unique National Collection is listed in my CR. What to do?
 
 Posted on Wed Oct 24, 2007 8:24 pm  
I have a debt on my credit report from Unique National Collection, it is for a library fine. From my understanding, Unique Nat'l Collection does not accept payment, and I must deal with the library directly.

My question is, once I have the debt paid in full with the library, can I have Unique remove the item from my report entirely or does it simply goes into a "Paid/Closed" status? Should I talk to Unique first? Do I need the library to sign an agreement that says they are releasing me from this obligation?
 
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1407



34536 Magic Points
 
 Posted on Fri Oct 26, 2007 6:23 am  
Well first talk to Unique National Collections as they have reported to your account. If they want you to deal directly with the library then do so. Make the payments to the library and keep all the communications in record (in writing). After the debt is satisfied they will close their account and delete the reported item from your CR. If not, you have to ask them to do so.

Always remember that if a report is good then its better to keep it on your file but a negative report can be dropped by paying off the debt.
_________________
Regards,
Laura.
 
Morningstar

Morningstar

Joined: 17 Apr 2007
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Posts: 609



40 Magic Points
 
 Posted on Fri Oct 26, 2007 9:19 am  
Just to clarify, a negative report can be dropped by paying it off, but it is always a good idea to get the agreement in writing prior to making your payment. Follow up after payment is received for a paid in full letter.
_________________
I don't dream since I quit sleeping
 
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1407



34536 Magic Points
 
 Posted on Sat Oct 27, 2007 6:16 am  
Dida mornignstar has mentioned a very important point. Please keep it in mind. Always keep record of any transaction.
_________________
Regards,
Laura.
 
Dida
Guest
 
 Posted on Sun Nov 04, 2007 4:44 pm  
Do I need to send certified mail or is keeping a copy of the letter I sent to Unique National Collection sufficient?

Can other negative items, such as past due credit card, be drop similarly by paying it off? I paid off the overdue amount, but negative item remains on my CR.
 
Laura

Laura

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



34536 Magic Points
 
 Posted on Mon Nov 05, 2007 9:33 am  
Quote:
Do I need to send certified mail or is keeping a copy of the letter I sent to Unique National Collection sufficient?


Please send a certified mail with request of return receipt.
Quote:

Can other negative items, such as past due credit card, be drop similarly by paying it off? I paid off the overdue amount, but negative item remains on my CR.


If the account has been paid off and has a derogatory entry then it will take seven years to drop off. However you can send disputes to the bureau, call the credit card issuer and request to change the negative remark.
_________________
Regards,
Laura.
 
smorrow86
Guest
Subject: Unique National Collection
 
 Posted on Tue Nov 27, 2007 10:11 pm  
how did you find Unique National Collections address? I looked at my credit report and saw them on there but there was no contact information
 
anthony

anthony

Joined: 31 Jul 2006
anthony's page
Posts: 491



12269 Magic Points
 
 Posted on Wed Nov 28, 2007 10:14 am  
You need to get in touch with the AG General's office. They will have the information if the company is a legitimate one
_________________
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
You can also visit my blog
http://financewatchonline.blogspot.com
 
Melanie Foehrkolb
Guest
Subject: debt on my credit report
 
 Posted on Thu Jan 03, 2008 3:03 pm  
There is a collection on my credit from a library It is not mine I need to know how to fight this.
 
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1407



34536 Magic Points
 
 Posted on Sat Jan 05, 2008 9:06 am  
Do you have any contact details mentioned there? If so then get in touch and find out. If not go ahead and dispute it with the credit bureau.
_________________
Regards,
Laura.
 
Sarah_Crowley
Guest
Subject: Unique National Collection
 
 Posted on Mon Jan 21, 2008 3:14 pm  
Help! I"m trying to locate a phone number for this collection agency.
 
Stephanie
Guest
Subject: Contact infor for UNC
 
 Posted on Tue Jan 22, 2008 7:24 pm  
UNC
119 E. Maple St.
Jeffersonville, IN 47130

812-285-0886
 
Laura

Laura

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



34536 Magic Points
 
 Posted on Wed Jan 23, 2008 11:06 am  
Thanks a lot Stephanie. You did a great job. Would like to see you around more often.
_________________
Regards,
Laura.
 
fred333



Joined: 22 Jan 2008
fred333's page
Posts: 28



814 Magic Points
 
 Posted on Fri Jan 25, 2008 2:51 pm  
Nice find Stephanie. I am horrible with looking things up.
_________________
Trying to find debt settlement in my life.
 
Tiffster4
Guest
Subject: [color=Red]Very Helpful !! :)[/color]
 
 Posted on Thu Jan 31, 2008 9:12 pm  
I "Googled" Unique National Collection and this site popped up. I found it to be very helpful especially since my situation is similar to Dida's. Also, I have to agree with Fred333; Stephanie really came through with providing such great information. I just called UNC and they were helpful in providing me with the info I requested to pay the library. Thank you again!
 
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