How do I get CRA to remove Un-Paid CLOSED Colections?

[kennerchick]

In a previous post, I stated that PRA, Midland and ERC are all reporting CLOSED status on EX and EQ.  It's an unpaid debt!  What do I need to do to get the CRA's to remove them??  All 3 are on my husband's CR and only PRA is on mine. 

Removing them should bump my husband's Credit score some right?  I mean they are still reporting a status every month.

Thanks

[EmmaGolden]

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@kennerchick wrote:

In a previous post, I stated that PRA, Midland and ERC are all reporting CLOSED status on EX and EQ.  It's an unpaid debt!  What do I need to do to get the CRA's to remove them??  All 3 are on my husband's CR and only PRA is on mine. 

Removing them should bump my husband's Credit score some right?  I mean they are still reporting a status every month.

Thanks

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Unless the debt is not yours or incorrect & you can dispute accuracy. The only way I have seen people  successfully have baddies removed was to arrange with the CA a PFD. Try & make arrangements to pay them but make sure you have in writing that they will PFD. I am no expert here so maybe some one else will chime in & give you better advise. I didn't read your previous post, so maybe I'm missing something. 

[Anonymous]

You don't. They have no obligation to remove accurate information from your report, even if an item is closed.

[Anonymous]

Negative items report for at least 7 years, regardless if they are open, closed, paid or unpaid. Your only hope is if it's not yours and you can dispute on that basis. Otherwise, pay it in exchange for deletion. Most creditors will not agree to do this but it is worth a shot. As mentioned, get it in writing before paying a cent.

[RobertEG]

There is basis for getting a closed, unpaid collection deleted from your credit report, providing that the debt collector no longer has active collection authoroity.

Reporting a Closed status on a collection is the debt collector's statement that their collection is no longer Open.

A collection can be closed in one of two ways.

The first is by way of payment of the debt, which automatically closes the collection to further collection activities.  CRA policy is thst a debt collector should NOT delete their reporting of the collection based on payment of the debt.  In that case, the closed collection reamins.

The second way a collection becomes closes is if the debt collector has had their collection authority terminated, and the debt remains unpaid.

That occurs when either the owner terminates their assigned collection authority to the debt collector, or the debt collector was the owner of the debt, and sold it to another.

In both of those cases, CRA policy mandates that the debt collector delete their reported collection.  That CRA policy stems from their desire to thereafter prevent two collections from simultaneously being reported on the same debt.

If the debt is unpaid and the collection is actually closed, then file a dispute on the grounds that the debt collector no longer has collectin authority,and the debt is unpaid.

[Anonymous]

What if they are reporting closed? Sick of it hitting my credit

[kennerchick]

Thank you Robert. Appreciate the help. I'll do this today.

[Anonymous]

I just looked and I have 2 unpaid collection accounts that are showing closed on all 3 bureaus....so you're saying those can be disputed??  (Thanks for asking this question!)

[RobertEG]

Yes, provided you assume that the reporting of Closed means what it says..... that the collection is terminated.

There is no other reason why a debt collector would update the status of their unpaid collection to Closed unless they were updating to show that they no longer have active collection authority. 

[Anonymous]

Find out if the CRA sti has collection authority. If they do when you file a dispute the account will update. It does not reage the debt but it may look like it's a recent collection that will ding your score.