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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.

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โˆ™ 2015-07-16 18:18:39
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Q: How many years can a collection agency still pull your credit report?
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If you have an account that went to a collection agency however you paid it in full how long does it take for that collection account to be removed from your credit report?

It sticks for 7 years. The fact that it was turned over to a collections agency will make it to your credit report. When it is paid in full, it will say "settled" on your credit report so other creditors know you took care of the debt. Even so, it still haunts your credit report for 7 years.


If a debt has been paid to the original creditor and they recall it from their collection agency will a dispute succeed in having it removed from the credit report?

Hard to say. Disputing the collection after you pay off the creditor could still come back as 'verified' from the credit bureaus simply because the collection did happen. If the collection agency does not respond to the credit bureau's query, then the entry will be removed.


If a debt listed on your credit report was sold from one collection agency to another and you paid the debt with the new agency can the old agency still be marked as a debt on your credit report?

If the old collection company is still showing the debt being owed, it can usually be taken care of by supplying to them evidence of the payoff of the debt with the other agency. Should that not work, order your credit report on line (from whichever bureau is reporting it) and then instigate an on-line dispute. You'll have to supply to them evidence the debt is paid and then they'll handle it from there. This procedure usually takes 30 - 45 days to clear up.


Your credit report shows a collection with a DLA of 0502 is this still valid?

If you are responsible for that item, then, yes, it can stay on your credit report--probably indefinitely.


Can collection agencies sell your account to another collection agency?

yes and do all the time and the old agentcy will still show on credit report It can be bought and sold as many times as the agencys want to move it around


A collection that is removed from your credit report be gone off the report but the collection agency said you still owe on account?

Well, check your states statute of limitations. If the SOL is up then tell the company to stop contacting you are you will sue them for harassment based on the fact that they have no claim under your state's SOL. The collection agency will try to say you still "owe" and I guess you do if it is your debt but you no longer have any legal obligation to pay.


How do you remove a paid collection from your credit report if you paid even though disputed and did not agree with it and provided proof to original creditor who still sent you to a collection agency?

Don't let a collection agency push you around. As a consumer you have many rights. The best places for anyone to exercise their rights are in small claims courts. For less than $100 you can bring a collection agency to their knees.


What are the laws pertaining to a credit reporting agency still reporting after a bankruptcy discharge?

Debts included in the bankruptcy should be noted as such in the credit report. The bankruptcy will remain on the credit report for ten years.


If a debt on your credit report says 'bad debt write off ' can the creditor still sue you or collect the money?

= If your credit report reports that you have a bad debt write-off, then it means that the original creditor has written off the debt, but they can still sell the rights to the debt to a collection agency and they can contact you and take legal action.


Can a collection agency report your debt to the credit reporting agencies if they do not have your Social Security number?

YES! Generally speaking, your SS# isn't even needed to access your CBR. So long as they have enough info about you they can still access and add to your report.


If a credit card does a charge-off and sends it to a collection agency can the original creditor still try to collect?

yes


What should you do to get paid collections off your credit report?

If the account is legitimately yours, then you cannot legally have it removed from your credit report. However, if you paid the collection account off, it should be reported as paid on your credit report. Still, the accounts will not be removed from your credit report for 7 years.

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