I had a debt to a previous landlord. I was contacted by a collection agency representing them about a year later with a massively inflated amount. Long story short, I was only offering the amount I actually owed plus some interest, so the landlord filed suit.
I settled with the landlord's attorney for a lower amount, paid that amount in full 4 months ago, and have a signed letter form the attorney stating that the payment was "full and final satisfaction of the obligation."
This still is showing on my credit report from the first CA as an "unpaid" collection for the amount I negotiated off of the debt. I have disputed the collection first as "not mine" then as "paid" and both times came back as verified from the CA.
All I really want is this to show as paid on my reports, but I really don't know what else I can do to leverage that at this point.
Paid collection, nobody will update report
1 reply to this topic
Posted 15 May 2012 - 09:20 PM
Send another dispute (by mail) and include your documentation... The last item I disputed was resolved immediately... However, it has taken a few months of back and forth between myself and the CRAs to have other items removed.
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