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Dida
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Subject: Unique National Collection is listed in my CR. What to do?
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Wed Oct 24, 2007 8:24 pm
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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? |
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Laura
Joined: 21 Jun 2007
Laura's page
Posts: 1402
34547 Magic Points
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Fri Oct 26, 2007 6:23 am
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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.
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Regards,
Laura. |
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Morningstar
Joined: 17 Apr 2007
Morningstar's page
Posts: 601
11 Magic Points
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Fri Oct 26, 2007 9:19 am
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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.
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I don't dream since I quit sleeping |
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Laura
Joined: 21 Jun 2007
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Posts: 1402
34547 Magic Points
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Sat Oct 27, 2007 6:16 am
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Dida mornignstar has mentioned a very important point. Please keep it in mind. Always keep record of any transaction.
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Regards,
Laura. |
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Dida
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Sun Nov 04, 2007 4:44 pm
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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. |
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Laura
Joined: 21 Jun 2007
Laura's page
Posts: 1402
34547 Magic Points
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Mon Nov 05, 2007 9:33 am
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| 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.
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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.
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Regards,
Laura. |
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smorrow86
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Subject: Unique National Collection
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Tue Nov 27, 2007 10:11 pm
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| 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 |
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anthony
Joined: 31 Jul 2006
anthony's page
Posts: 550
13573 Magic Points
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Wed Nov 28, 2007 10:14 am
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You need to get in touch with the AG General's office. They will have the information if the company is a legitimate one
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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. |
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Melanie Foehrkolb
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Subject: debt on my credit report
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Thu Jan 03, 2008 3:03 pm
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| There is a collection on my credit from a library It is not mine I need to know how to fight this. |
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Laura
Joined: 21 Jun 2007
Laura's page
Posts: 1402
34547 Magic Points
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Sat Jan 05, 2008 9:06 am
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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.
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Regards,
Laura. |
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Sarah_Crowley
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Subject: Unique National Collection
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Mon Jan 21, 2008 3:14 pm
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| Help! I"m trying to locate a phone number for this collection agency. |
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Stephanie
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Subject: Contact infor for UNC
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Tue Jan 22, 2008 7:24 pm
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UNC
119 E. Maple St.
Jeffersonville, IN 47130
812-285-0886 |
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Laura
Joined: 21 Jun 2007
Laura's page
Posts: 1402
34547 Magic Points
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Wed Jan 23, 2008 11:06 am
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Thanks a lot Stephanie. You did a great job. Would like to see you around more often.
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Regards,
Laura. |
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fred333
Joined: 22 Jan 2008
fred333's page
Posts: 27
814 Magic Points
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Fri Jan 25, 2008 2:51 pm
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Nice find Stephanie. I am horrible with looking things up.
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Trying to find debt settlement in my life. |
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Tiffster4
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Subject: [color=Red]Very Helpful !! :)[/color]
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Thu Jan 31, 2008 9:12 pm
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| 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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