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Established Member
prosper329
Posts: 23
Registered: ‎06-07-2007
0

HELP!!!!!!

I was just informed that a CA was reported to credit file, I called them up and ask why would they report the debt to the credit bureau after i pd the darn thing off. They stated that because i made arrangement to pay over 3 months they can still report to the bureau. It was reported to the bureau that i owe, but i made the final payment on the 17th and it was reported on the 3rd of July. The lady i spoke to stated that they have every right to report even after it is paid in full. So i will be disputing this CA and hopefully they will remove it. Any suggestion on this matter would be appreciated........ I thought i was doing the right thing by making arrangement to pay it off so that it would not appear on my credit, but i see it did not work.
Established Member
annah618
Posts: 84
Registered: ‎06-21-2007
0

Re: HELP!!!!!!

Unless you negotiated for a PFD, the account will show up on your credit report for 7 years, regardless of whether or not you paid it.
Frequent Contributor
MercyMe
Posts: 429
Registered: ‎04-07-2007
0

Re: HELP!!!!!!



prosper329 wrote:
I was just informed that a CA was reported to credit file, I called them up and ask why would they report the debt to the credit bureau after i pd the darn thing off. They stated that because i made arrangement to pay over 3 months they can still report to the bureau. It was reported to the bureau that i owe, but i made the final payment on the 17th and it was reported on the 3rd of July. The lady i spoke to stated that they have every right to report even after it is paid in full. So i will be disputing this CA and hopefully they will remove it. Any suggestion on this matter would be appreciated........ I thought i was doing the right thing by making arrangement to pay it off so that it would not appear on my credit, but i see it did not work.



This is one of those lessons so many of us have learned the hard way -- after our debts were paid we learned about PFD.  Now you need to GW...  and I am so sorry.
Established Contributor
FICO_Focused
Posts: 905
Registered: ‎05-09-2007
0

Re: HELP!!!!!!



annah618 wrote:
Unless you negotiated for a PFD, the account will show up on your credit report for 7 years, regardless of whether or not you paid it.


There are a couple of routes you can take to attack this problem, send GW to the CA and pray... Otherwise, this poster is correct...  :smileysad: Should have asked for written confirmation that they would never report the account to CRAs... Liveand learn.
 
Keep fighting the good fight.

Rob
Established Contributor
FICO_Focused
Posts: 905
Registered: ‎05-09-2007
0

Re: HELP!!!!!!



MercyMe wrote:

 
This is one of those lessons so many of us have learned the hard way -- after our debts were paid we learned about PFD.  Now you need to GW...  and I am so sorry.


Geeeez you're Quick! Good advice!:smileyvery-happy:
 
Rob
Established Contributor
trinigal
Posts: 578
Registered: ‎06-18-2007
0

Re: HELP!!!!!!

Keep hope alive!!!
Established Contributor
FICO_Focused
Posts: 905
Registered: ‎05-09-2007
0

Re: HELP!!!!!!



trinigal wrote:
Keep hope alive!!!


I have a dream! :smileyvery-happy:
 
Rob
Frequent Contributor
MercyMe
Posts: 429
Registered: ‎04-07-2007
0

Re: HELP!!!!!!



FICO_Focused wrote:


annah618 wrote:
Unless you negotiated for a PFD, the account will show up on your credit report for 7 years, regardless of whether or not you paid it.


There are a couple of routes you can take to attack this problem, send GW to the CA and pray... Otherwise, this poster is correct...  :smileysad: Should have asked for written confirmation that they would never report the account to CRAs... Liveand learn.
 
Keep fighting the good fight.

Rob


:smileywink:  Been doin' that for a very long time.
Established Contributor
trinigal
Posts: 578
Registered: ‎06-18-2007
0

Re: HELP!!!!!!



FICO_Focused wrote:


trinigal wrote:
Keep hope alive!!!


I have a dream! :smileyvery-happy:
 
Rob


Give me liberty or give me death!!!:smileywink:
Frequent Contributor
MercyMe
Posts: 429
Registered: ‎04-07-2007
0

Re: HELP!!!!!!



MercyMe wrote:


FICO_Focused wrote:


annah618 wrote:
Unless you negotiated for a PFD, the account will show up on your credit report for 7 years, regardless of whether or not you paid it.


There are a couple of routes you can take to attack this problem, send GW to the CA and pray... Otherwise, this poster is correct...  :smileysad: Should have asked for written confirmation that they would never report the account to CRAs... Liveand learn.
 
Keep fighting the good fight.

Rob


:smileywink:  Been doin' that for a very long time.


:smileyhappy:  Well, not THAT long ..... 

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