CA posting after the fact

[Jerzee123]

2 Questions...

1..Can a collection agency still report or post  a debt (medical)on your credit report after you've paid them full, and it WAS NOT even showing on your Credit report to begin with???

2...If you have a collection--that is NOT on your CR , and you go to pay the OC(Dr Office)  , and they say "it's in collections" ,BUT they accept/ take your payment anyway(Dr Office), can the collection still be put on your credit report?? and is the OC office responsible/supposed to notify the collection agency that the debt was paid????? and pull it back??

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[gdale6]

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@Jerzee123 wrote:

2 Questions...

1..Can a collection agency still report or post  a debt (medical)on your credit report after you've paid them full, and it WAS NOT even showing on your Credit report to begin with??? YES

2...If you have a collection--that is NOT on your CR , and you go to pay the OC(Dr Office)  , and they say "it's in collections" ,BUT they accept/ take your payment anyway(Dr Office), can the collection still be put on your credit report?? YES and is the OC office responsible/supposed to notify the collection agency that the debt was paid????? YES and pull it back?? Only if that was part of the agreement to PIF.

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[Jerzee123]

thanks gdale... 

how come they can do this? why would they? especially when they werent reporting and it was unpaid??(thats Dumb & Dirty!!!) , why would they report when i do pay it?

  and so if this happens and it pops up on my report , what should i do ? GW?...

[trc1962]

I recently paid 2 medical bills that had just been sent to collections, but the OC took payment and pulled them back from the CA. Now, 3 weeks later one is showing up on my CR and it says unpaid. I contacted the OC who took the payment and she said she would notify and I should file a dispute with equifax-which I did. This credit stuff can really drive one crazy!

[Jerzee123]

What!--that's some Bull!

[polno1234]

the oc and ca are allowed to report any activity on your account. if it is paid in full it must be reported as such. the fact that they didn't report anything and then you paid them and they started reporting activity is not illegal.

to question number 2. the account that was not on your cr is up to the ca or oc to be on your report. they are actually doing you a favor by not reporting it. now when you went to the oc and paid the debt and they said it was in collections there are a few things to note. it could be in collections internally, ie unsold and the hospitals employs a collections department. it could also be that the hospital has hired a ca to collect the debt. or they could have sold the debt. all of these are different and different rules apply to each as to how they are reported. and what do you mean by pull it back. do you mean take it off your credit report? buy the debt back before the ca attempts to collect on it because you have paid the oc and not the ca? a little more details please.

[Jerzee123]

.. i guess i meant ( as far as pull back)... for the OC to let the collection agency  know that it has been paid full +satisfied ..so as not to contact me about it and don't report it .. - will they report it after i've paid ?(because its not showing as a colletion on my report right now)  ..

[from500to700]

to me if something is NOT reported i will not pay it untill after 78 monthes from first deliquincey that will make sure it wont be reported. My friend paid a Dr. office and 3 months later it shows as paid collection on his CR

[Jerzee123]

What!!! please dont tell me that.. will i be able to dispute it, if it pops up??

[RobertEG]

You may laugh at the use of the words integrity and debt collector in the same sentence, but credit reporting is supposed to provide others with an accurate showing of a consumer's history.  Thus, they can assert that they are serving the purpose of integrty of the system by providing an accurate history of the path of efforts to obtain payment of the debt.  Many debt collectors use credit reporting as a business tactic to further collection on a debt, which is no longer pertinent after the debt is satisfied, so is not routinely done, but maybe they just have unusual commitment to the integrity of the system......they might say.......

The CRAs use a similar "integrity of the system" justific\tion for their policy of non-deletion of reporting based on satisfaction of the debt.

That policy may be more of a business decision to preserve the value of credit reports they sell to others, which would be substantailly diminished if PFD were the norm, but it is hard to argue with an integrity basis.

As long as a debt collector had prior collection authority at time of satisfaction of the debt, they can report that fact.