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ak12932

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  1. Hi All, I recently had a collection for a dental bill pop up on my report. I paid the CA who offered to delete the TL and sent me a letter saying so. I waited for some time and being impatient, I disputed the item on Experian as "paid in full". So it seems like the delete was sent by the CA and it was just taking time to update. However, a few days after that, it was gone from my Equifax report and then finally from TU. It was also removed from Experian as well. However, the dispute status on Experian is pending. Can this item show up again on my credit reports, especially on EQ and TU since they were deleted by the CA voluntarily? Thanks AK
  2. Hello everyone, I recently paid a CA for a collection item and he offered to delete the item from my credit report. It's been a few days since the item was deleted from experian and equifax but TransUnion still shows it. Has anyone experienced this? How long does TransUnion take to update its report? Thanks AK
  3. Hello All, I wanted to update this and also had a question. I looked at my Experian report this morning and the collection item has been deleted. However the online dispute status still says pending. I was wondering if anyone knew how long before they updated it. Thanks AK
  4. Hi, I am in a dilemma and was hoping to get some information. I recently got a GW deletion for a bill which I paid and got a letter from the CA saying that they have requested the credit bureaus to delete as well as a copy of the UDF. I was a bit impatient and I disputed online with Experian about the item hoping to get it updated/deleted. In the mean time I looked at my equifax and found that it was deleted. My question is can the deleted item show up as paid now on equifax when the CA responds to Experian? Thank you all. AK
  5. I was thinking of the financial services industry like investment banking, insurance and so on. So I am curious how a a small medical collection (~300) has an effect on this if it is paid. Thank you Hi Erin, I am referring to the term "bonding" as in employers obtaining insurance to protect themselves from their employees doing bad things.
  6. Hello everyone, I have been asked a question in the past, "have you ever been denied bonding". Does anyone know what can deny you bonding? Can a paid collection item on your credit report deny you bonding? Thanks AK
  7. Thank you Why Chat, I was hoping you would respond. I will go through your guidebook. However, I did have a question, what do you mean by "The initial dispute letter to the CRAs will get it deleted"? Thanks AK
  8. Do I have any legal recourse if the CA does not follow through. I do have an email from the manager and the pdf document with the words above. How long should I wait before I contact them again? Thanks
  9. Hi everyone, I posted this on the credit forum but I was advised to post it here instead. Recently, a collection item popped up on my credit report for a dental bill from 6 years ago. I called up the number of the agency from my credit report and immediately paid the bill in full. I did receive an email and a pdf attachment from the collection manager saying this: "This letter shall confirm that the above-mentioned account has been paid in full as of date YYYYMMDD. Payment of $XXX has been received and posted to the account referenced above. We have also requested that it be deleted from the credit bureaus. Note that we can only request that it be deleted and you must follow up with the credit bureaus to ensure its deletion." I was told that I should not have done this. I am a newbie and I panicked when I saw my credit report. GIven that I have already paid the CA, what are my alternatives in getting it removed from my Credit Report? Thanks AK
  10. Hi Erin, Is there anything I can do if I have already paid the collection agency? Thank you AK
  11. Hi everyone, Recently, a collection item popped up on my credit report for a dental bill from 6 years ago. I called up the number of the agency from my credit report and immediately paid the bill in full. I did receive an email and a pdf attachment from the collection manager saying this: "This letter shall confirm that the above-mentioned account has been paid in full as of date YYYYMMDD. Payment of $XXX has been received and posted to the account referenced above. We have also requested that it be deleted from the credit bureaus. Note that we can only request that it be deleted and you must follow up with the credit bureaus to ensure its deletion." While going through the forums, I saw that people use paper mail to get a request such as this. I was curious if the pdf and email I received is as valid as a "paper" letter. How soon can I expect to see that the account has been paid and deleted? Thanks AK

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