Credit Cards Center Credit cards from our partners
Posts: 97
Registered: ‎03-25-2008

Help! paid collection

In 2008 I paid off a collection to All Strings Attached.  Now all of a sudden last month it shows up on my credit report showing $0 balance.  My question is I paid this off over a year ago is it legal for them to all of a sudden start reporting this on my credit report?  So far I have called them and she said she can see that it was paid off but wanted to call me back after she got a report from their accounting department.  
Established Contributor
Posts: 945
Registered: ‎06-13-2008

Re: Help! paid collection

As long as it's within the CRTP, they can report, and begin reporting for the first time long after you pay them off.


Generally, it's recommended that when you pay off something that is not reporting, you negotiate payment in exchange for them agreeing not to report.  Or a Pay For Not Reporting (PFNR).


Now that you are where you are, you can write GW letters asking them to remove.  Wish I had better news for you!

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.