I received a letter from a collection agency stating that I had 5 days to pay an account or it would show up on my credit report. I complied and sent off a cheque for the balance immediately and it showed in my bank account the funds had come out before the 5 day deadline. I just got a copy of my credit report and the collection is showing up even though they assured me it wouldn't. It does say the account has been paid in full but is there any way I can get this information removed or is it too late? Will the agency even bother with me now that they have their money?
2006-07-05 13:29:51 · 10 answers · asked by reallyrosie 1 in Business & Finance ➔ Credit
If you have nothing in writing showing that they agreed to delete, that does make it tough to get deletion.
But........if they are reporting inaccurately, you have a good chance of having it deleted.
I would suggest going to the site that I've listed and do some reading. Feel free to ask questions in there if you are unsure about something - there are many members who will gladly answer your q's.
It is a "free" do it yourself credit repair site. There is a great deal of info on how to remove inaccurate info, deal with creditors etc.
2006-07-05 13:51:20 · answer #1 · answered by echo 7 · 0⤊ 0⤋
WELL YOU CAN TRY TO SEND AN OFFICIAL LETTER AND SEND IT CERTIFIED THEN IF YOU HAVE A COPY WHERE THEY ASSURED YOU IT WOULD NOT SHOW UP GET THAT AND A COPY OF THE BANK STATEMENT WHERE IT HIT ON TIME THEN THE STATEMENT PAID IN FULL SEND IT TO THE CREDIT AGENCY IT WAS REPORTED TO THEN PRAY.IT IS EASY TO GET ON THERE BUT IT IS HARD TO GET IT OFF,IT MIGHT TAKE THE 3 YEAR WAITING PERIOD.THEY GOT US BY THE BALLS WHEN IT COME TO OUR CREDIT.THERE ARE SO MANY PEOPLE OUT THERE THAT DO NT GIVE A CRAP.THEN THERE IS US WE TRY SO HARD TO KEEP IT GOOD AND ONE LITTLE MISTAKE COST US YEARS...
2006-07-05 13:39:57 · answer #2 · answered by susan w 2 · 0⤊ 0⤋
No, but they will put a note on it that shows you paid, late.
Items on credit reports are never removed or erased, they just
expire with time. They are part of your credit history.
Don't be concerned if it is the only negative item on your report,
be concerned if it appears that you are forming a pattern of bad debt-that pattern is why credit histories are important.
2006-07-05 14:29:22 · answer #3 · answered by rpf5 7 · 0⤊ 0⤋
They told you that so you would pay them! The way they worded it doesn't say that if you pay them, it will not show up on your credit report.
They can keep the debt on your credit report for 7 years.
2006-07-05 14:57:59 · answer #4 · answered by Anonymous · 0⤊ 0⤋
No. It will stay on for 7 years. You shouldn't have paid them in the first place. Always try to deal with the orginial creditor first if you can.
2006-07-05 14:42:51 · answer #5 · answered by cindelmk 1 · 0⤊ 0⤋
Yes you can write or call all the 3 major credit company and let them know . I would also advise that you get the suzie orman Cd it is super helpful
2006-07-05 14:20:25 · answer #6 · answered by Richgirl 3 · 0⤊ 0⤋
you won't be able to get rid of it. that is been offered to a collection company and could proceed to be on your credit heritage for 7.5 years from the date of unique default. That incontrovertible actuality that you moved and "dad did not allow you to already know" is irrelevant.
2016-10-14 04:04:42 · answer #7 · answered by faulkenberry 4 · 0⤊ 0⤋
Contact Equifax and try to get it straightened out- if that doesn't work have a credit counsellor or a lawyer help you out.
2006-07-05 13:33:41 · answer #8 · answered by Mrs.Foster 4 · 0⤊ 0⤋
sorry hun but it will stay for 7 years but it is good that it shows you paid it.. it actually helps not hurts your report
2006-07-05 13:34:28 · answer #9 · answered by ♥ Lisa♥ 5 · 0⤊ 0⤋
CHECK OUT www.jicinvestments.com FOR MORE INFO. IT REALLY WORKS.
2006-07-08 18:49:37 · answer #10 · answered by Anonymous · 0⤊ 0⤋