S
shalanedmc
Guest
What is the name of your state? GA
Is there a minimum amount of time that a creditor must wait before sending a debt to collections?
My outstanding debt to AT&T Wireless was about $400 and I was definitely 30 days late (Nov. 2000) with no payment at all (I was unemployed) Then I began paying $50 a month in Dec. 2000 and then $50 again in January 2001. I called them numerous times to make it a formal payment arrangement and they said they wouldn't accept payments. Service had been shut-down in November and no further charges were accruing. In February I received the collection notice and paid the balance in full by credit card. It says I was 60 days late on my credit report. I put a statement on the credit report that says "consumer says account slow due to employment issues". But, it's still categorized as a #9 (charged off to bad debt) which is the worst thing according to my research.
Is there anything I can do to remove the #9 rating?
Is there a minimum amount of time that a creditor must wait before sending a debt to collections?
My outstanding debt to AT&T Wireless was about $400 and I was definitely 30 days late (Nov. 2000) with no payment at all (I was unemployed) Then I began paying $50 a month in Dec. 2000 and then $50 again in January 2001. I called them numerous times to make it a formal payment arrangement and they said they wouldn't accept payments. Service had been shut-down in November and no further charges were accruing. In February I received the collection notice and paid the balance in full by credit card. It says I was 60 days late on my credit report. I put a statement on the credit report that says "consumer says account slow due to employment issues". But, it's still categorized as a #9 (charged off to bad debt) which is the worst thing according to my research.
Is there anything I can do to remove the #9 rating?