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PALISADES COLLECTION in credit report

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liomathew

Joined: 03 Oct 2007
liomathew's page
Posts: 1

203 Magic Points

Subject: PALISADES COLLECTION in credit report

Wed Oct 03, 2007 3:41 am

I have recently taken my credit report, shows a record

Account Name: PALISADES COLLECTION L
Account Number: PAL1ATT509366XXXX
Date Open: 9/1/2005
Balance: $147.00
Terms: 1 Month
High Balance:
Limit:
Past Due: $147.00
Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

I dont know about this debt and the funny part is
I was not in usa from 2003- 2007. How can I repai my credit and whome should I contact for this..?

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35466 Magic Points

Wed Oct 03, 2007 7:45 am

If you have their contact information go ahead and send them a debt validation letter. You must know who you are in debt with. Smile

_________________
Regards,
Laura.

Morningstar

Joined: 17 Apr 2007
Morningstar's page
Posts: 582

11 Magic Points

Thu Oct 04, 2007 11:17 pm

I believe this is an AT&T account (possibly an account from a company AT&T bought out). Either Palisades Collection has illegally re-aged the account, or it is a case of ID fraud.
_________________
I don't dream since I quit sleeping

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35466 Magic Points

Fri Oct 05, 2007 6:34 am

How do you come to believe that its AT&T? Are they somehow related to Palisades? Do their collection go to Palisades?
_________________
Regards,
Laura.

Guest

Fri Oct 05, 2007 7:50 am

Yes, many references on the debt forums between the two, plus the "ATT" in the account number.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35466 Magic Points

Sat Oct 06, 2007 6:07 am

Oh is it you morningstar? Thanks a lot. My mom got the same on her report so I was trying to find out the possibilities.
_________________
Regards,
Laura.

Morningstar

Joined: 17 Apr 2007
Morningstar's page
Posts: 582

11 Magic Points

Sat Oct 06, 2007 9:02 am

_________________
I don't dream since I quit sleeping

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35466 Magic Points

Mon Oct 08, 2007 5:18 am

Thanks a lot.
_________________
Regards,
Laura.

brenda
Guest

Subject: phones

Wed Oct 17, 2007 8:46 pm

i have the same one
pal1veriznxxxx
its a collection for a phone bill

iknow
Guest

Subject: palisades collection llc

Fri Nov 23, 2007 4:55 pm

Palisades Collections LLC
210 Sylvan Ave
Englewood Cliffs, NJ 07632 Map
(201) 567-2438

Deborah
Guest

Subject: Another Pallisades Fraud???

Mon Mar 24, 2008 2:44 pm

I also got 2 bad reports from Palisades on my Experian report and one on TransUnion. I don't know what this is!!! I don't owe anyone and they have key derogatory reports right up until this month for my AT&T bill and my bill is paid right up to date. They even have an entry for this month, 03/08.....I can't believe this. My credit score is WAY DOWN and this is the only derogatory report on there.
What can a girl do?? I see there is some debt validation letter, but what do I write in that letter?? Or is there a form for such a letter somewhere online??
HELP!!!!
Deborah
Wilomette Cane Corsos
Lebanon, Maine

kw898
Guest

Subject: Palisades Collection

Thu Mar 27, 2008 9:03 pm

DITTO! I have two collection reports from Palisades on my Experian report. I'm in the same boat. Can anyone provide advice on what to do? I tried calling but it's all automated. I also have false addresses that I never lived at.

Dann325

Joined: 26 Mar 2008
Dann325's page
Posts: 18

757 Magic Points

Thu Mar 27, 2008 9:58 pm

Deborah-

Have you tried calling AT&T? Seems like it is a mistake on their part. I would first call them and see what they say, if your bill is up to date and in your name, i cant see how it would be valid. If you have somthing in collection for past dept in AT&T they would have turned off your phone a long time ago. If unsuccsesful try to contact CA. Lets face it a CA is not generaly friendly and probley just gunna try to fight you for the money is says you owe. Then I would send a letter. Just dont back down from them or give in if you are sure of what you have said.

Im not a pro at this like some of these guys, but their is alot of helpful info around, you would be surprised as to what you can learn by reading others post.

Please update, would like to here what/how it turns out.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35466 Magic Points

Fri Mar 28, 2008 11:35 am

First thing that you can do Deborah and kw898, is write a dispute letter to the CRAs. From your current report, make copies of them and circle all the mistakes. List the discrepancies in the letter and attach the copy of the report with it. If you have proof that the items are incorrect (in kw898's case you can attach the bills and payment receipts if you have it with you) attach the copies of the proof with the letter and send it to the bureaus. They must investigate into the matter within 30 days of receipt of your letter. Make sure you send certified copies with return receipt requested.
_________________
Regards,
Laura.

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Mon May 05, 2008 11:03 pm

LAura gives good advise here and it sounds like the best starting point to get this matter cleared. Good luck.

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