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How do you dispute the paid collection account or how do you phrase the dispute since it is a valid item on the report?
You're question is really confusing. If you are talking about a collection account in which you paid, you should have gotten a check back from your bank if paid with a check. Or you can contact your bank for a duplicate copy of the check. Or you should have gotten a copy type of statement that serves as a reciept. If you are refering to getting a collect account off your credit report, you can place a call to the company that left the mark on your credit and ask them to have it removed. You can also do that with medical bills. Send written correspondence of no more than 100 words to all three major credit bureaus, citing the creditor, the account number and the applicable dates. Do not send copies of statements, cancelled checks, etc. The credit bureaus DO NOT take the word of the consumer that the account has been paid or satisfied. The creditor will be contacted to either confirm or deny the consumer's claim. If the claim is found valid the entry will be corrected, if the creditor does not confirm the account has been paid or settled the negative entry will remain. The consumer's letter will be placed in his or her credit file.
What else can I help you with?
If an account is written off on your credit report can you dispute it?
no
What does it mean when your credit report states that you have a paid closed collection account on you 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.
How long does a negative account stay on your credit report after you have paid a debt to a collection agency?
usually 7 years, the trick is to get your credit report every year and dispute each item on it. When they can't find the records, they have to take it off. So keep trying.
If a debt is reflected on your credit report by a collection agency can the original creditor recall their collection allowing you to dispute the debt with the credit bureaus and have it removed?
YES, THIS COLLECTION ACCOUNT CAN BE DISPUTED; WHICH MEANS THAT AFTER THIS IS DISPUTED YOU CAN ALSO REQUEST FOR THIS ACCOUNT TO BE REMOVED FOR GOOD WITHOUT HAVING TO WAIT FOR THE SEVEN YEAR PERIOD. THIS WILL ALLOW YOU TO HAVE A CLEAN CREDIT HISTORY WHICH IN TURN INCREASE YOUR CREDIT RATING.
Does an account put with a collection agency always show up on your credit report?
This depends only if the creditor originally reported your account to your credit report.
If an account is written off on your credit report can you dispute it?
no
Can a collection agency report an account from the year the account was handed over to them?
No, this is called "re-aging" the debt, so that it stays within the statutes for collection and legal action within your state. Dispute this with the credit bureau, and of course, keep all account records for proof.
How can you mend your credit after a paid collection?
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.
What do you do if an account was turned over to a collection agency but the original creditor accepted your payment in full?
Contact the original creditor. Provide proof of your payment. They need to retract the account from the collection agency. The account could have been sold to the collection agency or simply assigned to them. For your purposes, it does not matter which situation applies. You paid the original creditor and your credit report needs to reflect this. After they do what they need to do to get the account back; you then dispute the entries with all three credit bureaus. The original account should show as a paid collection and the other collection account should be removed from your credit report entirely.
I have a collection for a doctor's bill from 2003 on my credit report I just noticed that they reposted the same bill on my credit report and changed the date to 2008. Can they do that?
sounds like might have sold the account to another collection agency--dispute it after the 7 years is up to get it removed
How do you find out from a collection agency who sent you to them for collection when you never was notified that you were in collection you discovered it on your credit report?
File a dispute with the credit reporting agency.
If your original creditor was removed from your credit report can you dispute the collection agencies still showing the debt and have them removed also?
No, the original crditor was removed because the account was sold to a third party collector. The entry will remain on the report for the required 7 years from the DLA. You can dispute the collection agency entries as well. Often times if you have paid the debt, the collection agency will no longer keep records, thus be unable to prove the debt when you dispute it. They more than likely won't even respond, as they got their money and don't care anymore.
What does it mean when your credit report states that you have a paid closed collection account on you 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.
How long does a negative account stay on your credit report after you have paid a debt to a collection agency?
usually 7 years, the trick is to get your credit report every year and dispute each item on it. When they can't find the records, they have to take it off. So keep trying.
Are you asking a collection agency to falsify your report if you ask them to remove a paid account from your credit report?
no.
If a debt is reflected on your credit report by a collection agency can the original creditor recall their collection allowing you to dispute the debt with the credit bureaus and have it removed?
YES, THIS COLLECTION ACCOUNT CAN BE DISPUTED; WHICH MEANS THAT AFTER THIS IS DISPUTED YOU CAN ALSO REQUEST FOR THIS ACCOUNT TO BE REMOVED FOR GOOD WITHOUT HAVING TO WAIT FOR THE SEVEN YEAR PERIOD. THIS WILL ALLOW YOU TO HAVE A CLEAN CREDIT HISTORY WHICH IN TURN INCREASE YOUR CREDIT RATING.
Can judgments be disputed or is there a time limit?
There is no time limit regarding the dispute of information on your credit file. The Fair Debt Collection Practices Act provides a time limit for disputing a collection account, with exceptions and limitations. You can dispute a judgment by the same means as any other item on your credit report. You should be aware that legal entries in the public record portion of your credit report have different methods of getting on your credit and different standards of verification.
