Paying the OC, providing they agree to accept payment, does not provide basis for disputing the collection.
A collection is the reporting by a debt collector of their authority to collect on the debt.
Paying does not negate the fact that the debt collector had authority to collect.
The debt collector, upon receiving notice from the OC that the debt has been paid, must close their collection and update the balance to $0.
CRA policy instructs debt collectors not to delete their collection based on payment of the debt, regardless of whose hands the payment first passes to.
CRA policy instructs debt collectors to delete only if their collection authority (e.g., assignment from the creditor) was terminated BEFORE the debt was paid.
Unless the creditor terminated their assignment of collection authority prior to your payment of the debt, there is no basis for dispute of the continued showing of the collection.
I disputed this collections with all 3 agencies last week. I recieved notice from Experian today stating it would be deleted, does this mean the rest will also delete? This was a fairly new collections added Jan of this year, can I expect to see a score increase?