How do I delete this debt from my report?

Question

I paid in full, I am suppose to contact the credit bureau to delete my debt and reflect a paid in full status. Will this cost me more money and do I just call them to request this?

Answer 1

1) Ask for credit reports from the bureaus.

2) Look out for any errors in it.

3) Prepare a Credit Dispute Log recording the details of problems and errors.

4) Contact telephonically the original debtors with whom you are having a dispute. Record the details of the call, especially the name of the person with whom you spoke and a brief overview of the agreements.

5) Send the certified letter to the original debtor.

6) Send letters to collectors, disputing the bill. Also, send the proof of payment to the original lender.

7) Fill out the dispute form available at the credit bureau.

8) Write a letter for each disagreed item separately and send it to the credit bureau by certified mail. Attach the proof to support your claim.

9) The bureau will provide you a reference number. Call up the bureau with this reference number and find out the progress of the matter.

10) Maintain a Credit File containing detailed records of your case.

Answer 2

Hopefully you have a receipt or a letter that shows your debt was paid.
Contact all the credit bureaus that are reporting the account (they are separate companies and do not share info w/ one another).
It will only cost you a little time and a stamp - send them a letter and a copy of proof that it's been paid. They have 30 days to research the account, update it and send you a new report showing that the correction has been made. If you do not hear back from them in 30 days, they are breaking the law.
If you call them, you will most likely get an automated service that loops you here and there. The best way to dispute the information is to put everything in writing. That way, you have a paper trail.
Please be advised that you debt will not disappear just because it's been paid. If it was in collection status, it will stay on your report for seven years. By paying, you will see the account taken out of "collection" status and put in "paid in full".

Answer 3

Be persistent with the credit bureau Document and copy all your records. Have your creditor write a letter of satisfaction, sending you a copy. Send this letter to the credit bureau via registered return receipt mail. Be patient this things take a long time but be persistent.