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Thank the LORD.

In a frenzy, I looked through every single paper in my files, very carefully, one by one. I found a letter from Associated Recovery Systems, the agency I paid $1003 to, to settle in full. The letter doesn't state that the debt was settled in full (it merely gives the day that they were going to take the money from my account), but I called the number on there (thank goodness that I found the name and number) and spoke to a nice woman that said she would fax over the report/letter that said that this was settled in full, and that I could send it to this other collections agency.

Thank freaking goodness. Even though he said he did, I could tell that the guy who called me from Calvary didn't believe that I was telling the truth about the account being settled in full. In about half an hour when this woman faxes me the sheet, and then I send it to them, I intend on gloating hardcore (to myself)

So now I'm just waiting for the fax. Talked to Alden, he told me I didn't need to come in today, so I have the rest of the day off to breathe and relax, and calm down my hyperventilation. I just really wish I had found this paper earlier so that I wouldn't have had to e-mail or call Rob about it.

ADDENDUM: Associated Recovery Systems sent me the letter saying that the account had been settled in full, which I sent to Calvary (which, btw, does not have a very good standing with the Better Business Bureau). I just hope Calvary looks at it and does whatever they need to do.

I also got a copy of my credit report from Equifax. I don't know my score, but I have one account and in good standing, and one closed account-- both the exact same credit card. I also apparently have $63 that is unpaid at Shands? My parents paid that in 2003. Other than that, there's nothing. No "negative account history" or anything like that. Nothing from Bank of America, nothing at all otherwise. Not even my good (cell phone, etc) accounts. I obviously don't have a mortgage, my car is in my dad's name, and thats the only credit card I ever had.



( 8 comments — Leave a comment )
Dec. 13th, 2005 08:33 pm (UTC)
Yay!!! :)

Dec. 13th, 2005 08:39 pm (UTC)
Hurrah:) Glad you found the letter. Always good to keep files, especially dealing with obnoxious corporate errors.
Dec. 13th, 2005 08:59 pm (UTC)
I still think you should get a copy of your credit report by the way.
Dec. 13th, 2005 10:58 pm (UTC)
I agree. It's really easy to get a full copy of the credit report from a company like Equifax. Sign up for the free trial, then send a cancellation e-mail as soon as you read it.

I did that, and I had access to the report for about 2 months after.

Dec. 13th, 2005 11:05 pm (UTC)
I got it for free anyway without signing up at annualcreditreport.com

you can only do it once a year, but its completely free.
Dec. 13th, 2005 11:09 pm (UTC)
You seemed to indicate that you didn't have your score. It can be very helpful to know your score, and the "paid" report has a lot more information on how every little thing on your account affects it.

Dec. 14th, 2005 05:34 am (UTC)
Your credit report can often be 2-3 months behind.
Dec. 15th, 2005 02:43 pm (UTC)
yet that has nothing to do with anything I said.
( 8 comments — Leave a comment )


Much like pineapples, I am hardcore.

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