collected_upon
New Member
Hello and thank you in advance for any legal information you could provide it is greatly appreciated. I was a Sprint customer from June 2007 until March 2010. On March 15, 2010 I paid what I believed was my final sprint bill and on March 28, 2010 I switched to Verizon Wireless.
Yesterday, I viewed my credit report and found that Sprint had sent an overdue balance of $83.00 to a collections company called West Asset Managment. This collections company had put a collection account in my credit report during November 2010.
I called Sprint to find out what the past due balance consisted of and they stated that a new billing period began between 3/15/10 (my last payment) and 3/28/10 (the date that I had switched). They also stated that since they had already transferred the debt to West Asset Management and since I was no longer a Sprint customer they could not accept any payments from me or assist me any further. They advised me to contact the collections agency. I asked why Sprint had not contacted me themselves to collect and they advised me to visit a Sprint office and speak to a customer service rep or manager. On 3/28/2010 when I switched to Verizon I had to get approval from Sprint to keep the same phone number.
I proceeded to contact West Asset Managment. I asked why they had not contacted me before reporting to the credit agencies. While going over my information it was determined that they had the wrong address and did not have any other contact information on me. I offered to pay in full for deletion of the collection but they declined saying that they do not delete but they would change the status to "paid in full". I declined to pay at the moment and the rep then stated if I didn't this debt would keep getting reported and stay on my credit report for 7 years.
Is there anyway I settle this debt and have the collection removed. My credit score has dropped from 730ish to 628. I had plans to move and purchase a new car this could really end up costing me a lot of money. Thank you and sorry for the long post.
Yesterday, I viewed my credit report and found that Sprint had sent an overdue balance of $83.00 to a collections company called West Asset Managment. This collections company had put a collection account in my credit report during November 2010.
I called Sprint to find out what the past due balance consisted of and they stated that a new billing period began between 3/15/10 (my last payment) and 3/28/10 (the date that I had switched). They also stated that since they had already transferred the debt to West Asset Management and since I was no longer a Sprint customer they could not accept any payments from me or assist me any further. They advised me to contact the collections agency. I asked why Sprint had not contacted me themselves to collect and they advised me to visit a Sprint office and speak to a customer service rep or manager. On 3/28/2010 when I switched to Verizon I had to get approval from Sprint to keep the same phone number.
I proceeded to contact West Asset Managment. I asked why they had not contacted me before reporting to the credit agencies. While going over my information it was determined that they had the wrong address and did not have any other contact information on me. I offered to pay in full for deletion of the collection but they declined saying that they do not delete but they would change the status to "paid in full". I declined to pay at the moment and the rep then stated if I didn't this debt would keep getting reported and stay on my credit report for 7 years.
Is there anyway I settle this debt and have the collection removed. My credit score has dropped from 730ish to 628. I had plans to move and purchase a new car this could really end up costing me a lot of money. Thank you and sorry for the long post.