It's nothing to do with "legal". They are simply a reporting agency. If you have proof, i.e, the statement of payment with the correct date, you simply send the reporting agency a certified copy of the letter and they will correct it. A recent statistic that I read was that over one third of all accounts at credit reporting agencies have errors in them. Please note that there are three credit reporting agencies. Once you fix that one, send to the other two to get them fixed as well. Then get a credit report (you are allowed one a year free from all three agencies) and verify that all three have done their job. Wait at least two months for this. Good luck.
You pay the collection agency.
Yes.
This depends only if the creditor originally reported your account to your credit report.
unpaid collection on medical bills can possibly be reported on bureau, but payment history is not reported.
Yes, this is only reported on your credit report if it is a collection account.
Get a copy of your credit report from all three bureaus. You can get a free copy each year. This report will tell you all of the collection accounts that are currently reported, and to which of the credit bureaus they are being reported to.
No, it will show on your credit report as a paid collection/judgement and will fall off of your credit report in 7 years. After you pay the debt keep all receipts and check your credit report in about 60 days to make sure they reported it as paid. Many collection companies never report it paid.
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.
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.
no, it would be in your criminal report.
No the collection will not be removed from the credit report. They will show it paid in full.
It wount be a collection aggency. But the city can put a judgment on your credit report that will effect your credit score.