The safe way is to enter the credit card issuer information and under "additional parties" or "other notice," enter the collection agency info. The debt may have been sold to a collection agency, in which case the original creditor no longer owns the debt, but the new owner rarely notifies the debtor of the change, even though the law requires it.
Contact the credit reporting agency from where you got the report. They have the contact information and can provide that to you upon request.
File a dispute with the credit reporting agency.
No the collection will not be removed from the credit report. They will show it paid in full.
The fact of filing bankruptcy is already going to lower your credit score, and the point of bankruptcy, part of it anyway, is to resolve unpayable debt such as collection accounts. It is in your best interest to add the collection accounts to your bankruptcy, but if you consult your BK attorney, he is likely to advise you of this. The bankruptcy is the first next step in repairing your credit and improving your credit score.
A collection agency needs to report a delinquent account to the credit bureaus in order to negatively impact your credit score. This typically happens when you fail to make payments on a debt, and the collection agency takes action to collect the owed amount. The credit bureaus then update your credit report with this information, which can lower your credit score.
There are several places you could go to get advice on bankruptcy. I would check with a nonprofit credit counseling agency first, then possibly a bankruptcy lawyer.
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.
Unless you have given a collection agency written permission to pull a full credit report they are in violation of credit laws.
They don't do anything. Failure to pay bills causes credit to be reported badly and your credit score to go down. All a collection agency does is go after you for the money.
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.
Your mom will be responsible for the debt and if she does not pay it could affect her credit, she could be placed with a collection agency or sued in court.
No, valid negative information must remain on a credit report for the required amount of time. In the case of a chapter 7 bankruptcy it is 10 years from the date of discharge.