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You paid a collection in 2000 and it shows up in your credit report as last reported October 2004 is this legal?
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.
What else can I help you with?
Where do you pay collection accounts that are reported on your credit report when the company is out of business or no longer handles the account that was reported for collection?
You pay the collection agency.
Can a credit card debt that was charged off and sold to a collection agency be reported on your credit report?
Yes.
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.
Medical bills on credit report?
unpaid collection on medical bills can possibly be reported on bureau, but payment history is not reported.
Can medical bills effect your credit while making payments on them?
Yes, this is only reported on your credit report if it is a collection account.
How do you find a list of accounts sent to collections?
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.
I have paid my default in full can i have it remove from my credit file?
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.
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.
How many years can a collection agency still pull your credit report?
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.
Can a collection agency remove a collection from your credit report?
Yes, a collection agency can remove a collection from your credit report if they agree to delete it as part of a settlement or negotiation.
Can a collection agency remove debt from my credit report?
No, a collection agency cannot remove debt from your credit report. Only the credit bureaus or the original creditor can remove the debt from your credit report.
Are misdeamors reported to your credit report?
no, it would be in your criminal report.
