Having a Paid Collection Debt Removed from your Credit Report

[mulattok81]

Hello everyone...I am new to the board but have a rather "small" situation for which I am trying to gather my thoughts!

 

Story: I Helped my mother obtain electric for her house since she was not able to put it in her own name without a deposit. Therefore, the bill was placed in my name and they were sent to her address where service was listed for. Recently, she moved to a new residence and was able to obtain electric in her own name. When I called to have the service disconnected I provided them with an address to have the final bill sent. Apparently, the final, bill indicating it was being sent to collections, the letter(s) from the collection agency were never received at the new address. I found out about the collections because I have fredit monitoring on my credit report. I noticed it today and immedieatly called the collections agency and paid the past due amount.

 

My problem is they are not willing to delete the debt from my credit report. I did some research and tried to work with them and they claim that legally they are not able to remove this debt from my report. However, I have spoke to a few Credit Repair agencies and they feel different. I am skeptical if they can get it removed but I have submitted a dispute with the credit agency for which they reported it to. I am not confident that Equifax will get it removed but I figured I would try.

 

Can any of you all offer some stories, suggestions or anything of that nature that I can try to do to get this done. My credit score went from a 722 to a 643 because of this $128 collections bill! I am hoping that I can get it deleted so my score will return to normal...

 

Thanks

Kyle

[moosetracks]

Well first off I would not have paid the CA but called the OC directly and paid it and certainly not without a PFD or recall of the CA in writing. You can try this http://creditboards.com/forums/index.php?showtopic=496348 Or call the OC and beg them to remove it.

[JunkBuyersWorstNightmare]

Well first off I would not have paid the CA but called the OC directly and paid it and certainly not without a PFD or recall of the CA in writing. You can try this http://creditboards.com/forums/index.php?showtopic=496348 Or call the OC and beg them to remove it.

 

+1