No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Hopefully it won't show up. If it does, start the GW process. At least it's paid.
GW - Good Will. You write a letter asking them to remove/change/delete whatever it is you want done.
There are sample letters in the Other Frequently Requested Threads in my signature.
While a debt collector could report their collextion after it's paid, chances are probably slim.
First, the fact that they have not previously reported may be because they dont have a reporting account with the CRAs.
Second,, after paying, they no longer have a real business motive to report. Debt collectors usually report their collections as a means to pressure the consumer to pay the debt. Once paid, that business incentive is gone. Additionally, by reporting, they subject that reporting to possble dsputes over its accuracy by the consumer.
No reporting, no chance of having td deal with a consumer dispute.
Other than the esoteric desire to promote the integrity of the credit reporting system by providing to others a full history on the consumer, it is probably a prudent business decision on their part not to report. Integrity of the credit reportig system is not normallly associated with debt collector business practices........
thanks