HELP needed!!

[baesooho88]

Hello, yall.

 

I have a few questions that I cannot solve for long time about collections.

 

I had two collections from my apartments; one was already paid through collection agency, but the other one is a mess.

I have rented this apartment for 12 months, but moved out around 7 months after and sub-leased to my friend.

However, I checked my credit report and saw a collection that I believe that he didn't pay the last month or something else.

That means I didn't get any paper to prove that this debt is real or mine.

I cannot contact to him anymore. This collection is posted about 2 years ago, but still not updated yet.

Collection agency is Residential Data Collect, and I don't know their phone number.

So, I thought that I just leave it for 7 years to get rid this record.

Another problem is that I told you that I already paid my collection for the other apartment, but still has a record on my credit report, even thought it is closed.

Does it have to stay there for 7 years to delete or do I need to call the collection agency for deleting? I paid it last year.

I am so newbie in this area, so please give me some advices.

Thanks.

 

Sincerely,

 

 

 

[MommaE]

Paid collections usually remain on your reports for 7 years unless you get a PFD. Did you get something in writing stating that they would remove it after payment?

[mamiso]

What state are you in?