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So it's paid now? Send a GW.
The debt collector reported the fact of their authority to collect on the debt.
The OC has no authority to delete that reporting or to require the debt collector to do so. They can contact the debt collector and request them to delete, but they cannot "pull back" their reporting.
If the OC made such representation to you, they have no way to carry through. Perhaps the debt collector will voluntarily delete, but they do not have to do so.
If deletion of a collection is the goal, the best path is to make a PFD offer to the debt collector.
@nolimits wrote:
Well I have already paid so a PFD isn't an option at this point.
Did I misunderstand that if a collection is paid directly to the OC that the CA can no longer report the collection since they basically got nixed from the equation and have no right to claim so?
Kind of regretting doing this now.
Unfortunately, yes, you misunderstood that part. However, like Robert explained, the OC can use their relationship with the CA to have them remove it. There's probably not a giant window for this, so you'll want to start making some calls. There's no formal process of "pulling" a debt back from the CA. I still think you have a pretty good shot at making this work though, good luck!
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@nolimits wrote:
Thanks for the more in depth explanation.
So I have another question. Since this collection was 2 years old and "sleeping" I presume my score was creeping up as time passed since adding. Will this "awaken" the beast and cause my score to drop as a result? Assuming they just upgrade my status to paid.
No, your score will most likely not change at all, unless the balance was affecting your UTIL, which is unlikely in this scenario. The only way that could happen would be if it were re-aged, which it can't unless in certain scenarios in certain states. PIF avoids those scenarios anyway.
I still think they may delete anyway, there's a chance you worked that out, he just wouldn't say it in those specific terms.
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@nolimits wrote:
Well I have already paid so a PFD isn't an option at this point.
Did I misunderstand that if a collection is paid directly to the OC that the CA can no longer report the collection since they basically got nixed from the equation and have no right to claim so?
Kind of regretting doing this now.
Don't give up....
Sometimes if it is "pulled back" from the CA, the CA will stop reporting. I would wait a month or so, and if it's still there dispute it as paid to original creditor. If the OC didn't report it to your CR, that will probably fix it.