who should i contact to get an account of off my credit once i paid it?

Question

i recently paid an account that i had on collection and i would like to know who are the 3 companies that im supposse to send the confirmation that i paid so they can take it off my credit, and exactly what am i supposse to do

Answer 1

You were supposed to get a pay-for-deletion letter from the collection agency BEFORE payment.

Then, once you pay the delinquent amount, you should submit your pay-for-deletion letter (with the collection agency's letterhead on it) to the credit bureau as proof that the collection item should be removed.

Without the pay-for-deletion letter, it is most likely that the credit bureaus will show the collection item as 'PAID' until it has aged 7 years on the credit report from the date of 1st delinquency.

Refer to the hyperlink for what a pay-for-deletion form letter looks like.

You can still contact the credit bureaus, but it will be VERY HARD to get them to remove it without "the smoking gun" letter.

Their addresses are as follows:

Credit Bureaus Address & Phone Numbers:

Experian
National Consumer Assistance Center
PO Box 2002
Allen, TX 75013
Consumer Credit Questions
888 EXPERIAN (888 397 3742)

Equifax
Equifax Information Services, LLC
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111

Trans Union
TransUnion LLC Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
800-888-4213

Answer 2

Experian TransUnion and Equifax... get your free annual credit report here


http://www.annualcreditreport.com

this is a free oppurtunity to get your report for free once a year with no cost. check out your report and look it over. If you want something removed you will need to hand write to the individual agency what you want removed.

Answer 3

All three major credit reporting agencies are who you need to call. Please note however that it can stay on your credit report for 10 years.