Collection Agency question

[Purrpoze]

I recently paid off a collection agency for a capital one acct. This agency is not yet showing up on any of my credit reports yet. Has there been any success with people negotiating after they've already paid? I want them to agree not to report it

[Purrpoze]

The CA is the northland group. & Also capitalone just updated my balance to reflect a 50 dollar difference, but the account is still listed as charge off/bad debt. At this point am I working with the Capital one to stop the CA from reporting or the CA directly?

If anyone has any thoughts please share!

[guiness56]

You would need to work with the CA but it is already paid and you have little leverage to keep them from doing it now.

Why is Cap 1 still reporting a balance if you PIF?

It will always be reported as a charge off/bad debt, just paid.

[Purrpoze]

Thanks for the response

I'm not sure what PIF is, but when the agency contacted me it says they are collecting on behalf of CapitalOne not sure if that makes a difference? And capitalone has always still had a balance throughout all of this & today I was alerted that it was lowered from 1k to 950

[guiness56]

PIF - Pay in Full

Is the account charged off or a collection account?  Is it closed?

[Purrpoze]

The capital one account is closed. Im not sure if charged off/closed/bad debt means collections but i assumed so since Im dealing with a CA. The collection agency account is not showing on my account yet.

Here's some screenshots

http://i1056.photobucket.com/albums/t376/yeahyeahyouknowit/f2f8c51a9358736f7b9bb09a471a65b3.jpg

http://i1056.photobucket.com/albums/t376/yeahyeahyouknowit/e5c3f7e961142b7e58a69eb7e555712e.jpg

[guiness56]

It is charged off.

When and how much did you pay the CA?  The Cap 1 account is only reflecting a $50 payment.

[Purrpoze]

I've been paying the CA since December of 2012 and my last payment went in on last Friday

I paid the CA 900

[Purrpoze]

And back in September capital one showed a balance for 1700....I'm really confused and didn't realize this until just now.

http://i1056.photobucket.com/albums/t376/yeahyeahyouknowit/3303993c8c0d7df5b2312635245f4357.jpg

The link is for a report from 09/2012

What does this mean?

[guiness56]

It means that Cap 1 still owns the account and has been adding fees and interest to the account.  That is in addition to what you paid the CA.

If you paid the CA $900 and Cap 1 said you owed $1700, you still owe them around $800.  I would contact Cap 1 and see if they would accept the payment to the CA as a settlement.