ATT, Better Business Bureau, Collections on cancelled phone bill, buying a house

Hi Bo,
I know this isn't exactly what you asked for but I was hoping that you could tell me if this is a good letter to send to the 3 credit bureaus. I don't know what my credit score is I need to pull it but when I was looking into maybe buying a house earlier this year it was pulled and my score dropped down from an 830 to like 630. I printed out your dispute form and plan to send this as well. If you could just let me know if this is good or what else I need or to write that would be SOOO helpful. Thank you ahead of time.
REAL PERSON
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Bobo Majors wrote:
This letter should go to the Better Business Bureau or ATT. The credit bureaus needs exact disputes. If you wish this to be recorded on your report, limit the words to 100 or less and it will be added.
Am answering your question?
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I called you a while ago and we talked. I did call AT&T which is now Cingular who told me that they no longer are able to deal with this and to call the collection agentcy. So I called Palisades Collection who said that they gave it to Merchants Credit Guide. I called and t/t Merchants, who told me to write a letter of dispute. I followed up on this and they said that they are the collections for Palisades and that they actually have the account. This has taken a while to go through this process. I called Palisades dispute dept. today who told me that they don't get the actual letter I wrote just an email from Merchants saying that I'm disputing it. I gave her a brief sanopsis and she told me that if I changed my plan it automatically puts me on a new contract. I asked her how was I supposed to know this, she said that "it's how AT&T do business."
So now I'm stuck, what should I do now. I t/t the BBB and California Association of Collections who told me to t/t AT&T. Someone even mentioned that I should t/t a lawyer. The BBB gave me info on AT&T which has contact info for someone in Cingular Corp. (see attached) Part of this info says: On July 21, 2004, the Attorney General's Office from 32 States entered into an Assurance of Voluntary compliance with Cingular Wireless, LLC. The settlement issues include that the company must provide substantially accurate coverage maps, to allow consumers to try out their new phone plans for 14 days and within that time can cancel and not have to pay an early termination fee for the next three years and to pay fines that will be distributed to the 34 participating states. An Assurance of Voluntary Compliance is not considered an admission of guilt or violation of law, but is used for settlement purposes.
Could I use this since this is my situation? Although I did this in 2002. Help me out, what do I do next?
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Bobo Majors wrote:
Do you have your credit report from all 3 bureaus in your hand?
If not get them now here http://www.credit.com/r/truelink_fit/af=p39646&ag
After checking your report dispute duplicate collections first with all bureaus affected.
This looks all over the place and it needs to be sorted out.
Simplify first then move forward.
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I pulled my credit and have it right here. There is only one collection showing for this.
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Which company is showing the collection?
Does the collections ahow up on all 3 bureaus?
Do you see any accounts that show more than 80% balance against total allowed
credit?
Do you see any other inaccurate items?
I bet you have some balances that are hurting your score.
1 Collection does not a credit score make.
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