collection

[destin]

State: Nevada.
Hi. I used to live in St. Louis, MO more than a year ago and I started building my credit history iver there. I moved out of there and I forgot to pay my final gas bill (it was something like 30 - 40$). Now that company put a collection on my credit report and I am wondering what I could do to solve that situation.

I was thinking to call the company, find out what they do about situations like that and then send a fax with explanation (that I was not fully aware of consequences at that time <in fact, i was not> and that I am sorry etc...) and a check for 106$ that is due.

Is it gonna solve the problem, I mean - is there any chance to have that information removed. I have had good credit score so far and I was paying all the bills on time etc. Please tell me what I could do in that situation. Thanks

 

[tualha]

Hi. You should definitely call the company and pay the bill. Once you do that your credit will show a zero balance due on that account, however, it will still show as an account that was collected on. I think the only way you might be able to remove it is if the company agrees to do that - but I am not sure about that. Otherwise you can put a comment on your credit report that you "forgot about this when you moved" or something like that, that it was not intentional. As long as all your other credit is good this should not affect your score all that much, and it will go up as soon as you pay this off.

Good luck!

 

[Ladynred]

Otherwise you can put a comment on your credit report that you "forgot about this when you moved" or something like that, that it was not intentional.

And that would be completely and utterly useless, creditors don't care and I don' t know of any that even look at personal comments.

Just send them the check and they'll be happy. Saying' I'm sorry" isn't going to do one bit of good, they don't care - it's all just a money issue to them. Unfortunately, you'll be stuck with the paid collection for 7 years.

 

[mshaste]

Usually if it is less than 30 days from the time you are notified of the collection to when you pay the bill, it may not show up on your credit report at all.

 

[destin]

Actually somebody at an apartment complex when I want to live run my credit and they told me that there is something like that on it. That gas company did not send me any letter or anything. I just move out from there and I thought that everything has been paid. It is nothing serious, however I really wanted to have my credit ok and everything to start doing something with it (mortgage, loan etc). I will try to fix it. If not I read that it stays on it for 7 years but after one, two, three years it does not affect the score that much (less and less with time).