Unless you have given a collection agency written permission to pull a full credit report they are in violation of credit laws.
No the collection will not be removed from the credit report. They will show it paid in full.
File a dispute with the credit reporting agency.
A collection agency can report you to the credit bureau for any amount of money. There are agencies that will report for amounts under a hundred dollars.
if a collection agency has not bought out my debt from the original company can the collection agency look up my credit report?
Yep! If the ambulance company turns your account over to a collection agency that agency might report the collection on your credit. Medical collections are the most common type of collection on a credit report.
You can remove collections from your credit report by disputing them to the credit bureaus. The credit bureaus have 30 days to verify your collection with the collection agency or it must be removed from your credit report.
It wount be a collection aggency. But the city can put a judgment on your credit report that will effect your credit score.
Only the credit bureaus the collection agency can remove a collection from your credit report. The collection agency won't do it now since it is paid and they have no reason to. You can dispute it to the credit bureaus and ask for verification on the account. They will have 30 days to verify the items or it must be removed from your credit report.
The original account with a normal credit company went to a third party collection agency. Only after it went to the collection agency was the debt paid and then the account closed.
Yes the second collection will be placed on the credit report. But they will remove the first collection agency off the report. In some states it is against the law to be double billed by two collection agency for the same debt.
if a collection agency isn't paid, the debt can be put on a persons credit report. The collection agency can also choose to garnish a persons paycheck.
Contact the credit reporting agency from where you got the report. They have the contact information and can provide that to you upon request.
The collection agency typically does not report to the credit bureaus, the original lender does. Lenders report to the bureaus, collection agencies collect on delinquent debt.
== == Collection agencies do not have the legal right to pull your credit report unless you gave them permission.
Yes you tell the collection agency you will pay ONLY if they can give you a letter that say they will delete the item from your report it's call pay for deletion
I have no answer, but want to know how to get the collection agency to remove a false report from my credit rating. They called once and never sent anything in writing, however have posted to my credit report.
This depends only if the creditor originally reported your account to your credit report.
You pay the collection agency.
pay the collection agency, then check what their report is about you, if not good threaten to get a attorney and bring suit
Removing Paid Accounts from a Credit ReportIf you haven't paid your collection account(s) yet, negotiate with the collection agency. State that you plan to pay in full, and that you want them to agree to remove the item from your credit report. If you've paid, and the item remains on your report, go to the credit bureau and dispute the item that has been paid. It's a good chance that the collection agency has purged your record and therefore will NOT verify a dispute investigation from the credit bureau. If the credit bureau doesn't receive verification from the collection agency in thirty days, they are obligated by law to delete the item from your credit report. Only the collection agency or the credit bureaus can remove collections off your credit report. You can either negotiate with the collectiona agency or dispute it to the credit bureaus.
only if they have a permissible purpose outlined by law to do so.
A collection agency can't access a credit report w/o the permission of the party involved. They may try to mislead someone into believing they are able to do so, and that is a violation of the FDCPA and should be reported as such.