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Contributor
Posts: 143
Registered: ‎05-23-2011
0

Now What??

I sent a DV to Pro collect and they responded. I paid this bill to the OC. If they would actually verify that I do still owe they would have been informed that it is paid. So now what do I do?
I called them before I sent the DV to let them know it was already paid. I contacted the OC before I sent the DV, they said they would pull it from CA.
How do I get them to stop reporting when I don't owe this money?
My credit score took a 98 point fall. PLEASE ADVISE!!

Starting Score: 585
Current Score: TU 734 Walmart EQ 704 FICO EX 721
Goal Score: 750 Across the board


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Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

Re: Now What??

Is the CA listing an amount owed or is it zero?  The payment to the OC does not mean the CA has to delete.  They had the authority to delete, now all they are required to do is to list the account paid, but they can leave the collection account on your report.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Contributor
Posts: 143
Registered: ‎05-23-2011
0

Re: Now What??

They say I still owe it.

Starting Score: 585
Current Score: TU 734 Walmart EQ 704 FICO EX 721
Goal Score: 750 Across the board


Take the FICO Fitness Challenge

Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

Re: Now What??

If you paid the OC then the CA must at the very least update their listing to a $0 balance.  You say they were going to pull it back from the CA, I've seen this done some times, other times not.  Hopefully they will delete the TL.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
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