Paid OC but CA still reporting?

Anonymous · ‎10-02-2020

Good evening,

I have a question as I'm not sure how this works. I had a small collection from 9/2019 pop up on my credit report. The total was $205. It was a missed final bill with Ameren (a utility company). I didn't get the forwarded bill when I moved unfortunately.

I paid that collection in March 2020. I paid the collection directly with the original creditor. I did NOT pay the collection agency reporting it on my credit report. The collection agency is LJ Ross and Associates. It is reporting on all 3 CR's as $0 balance, paid, closed. Last reported 6/7/20. However it is 1 year old and 6 more years of this will be tough on my scores.

I am in the process of writing or calling them. Is this reporting accurate? If you pay an OC and the CA still reports the debt? Should it have been removed from my report since I paid the OC? Or is it rightfully reporting? I am all about accurate information showing on reports. I am just curious on if I need to send a GW letter/call at their mercy or if they are supposed to remove the TL. OR...do I need to contact the OC and request they tell the CA to remove/recall the account as they were paid directly?

Thank you all in advance.

OmarGB9 · ‎10-02-2020

Unfortunately it can stay, since you simply paid the debt and did not try to negotiate a "Pay for delete" with the CA prior, or better yet, contact the OC and ask them recall the debt before paying directly. At this point, yes, you'd have to resort to trying for a GW removal.

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Anonymous · ‎10-02-2020

He’s absolutely correct.

gdale6 · ‎10-03-2020

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Sto...

Anonymous · ‎10-03-2020

@OmarGB9 @Anonymous @gdale6

Thank you, thank you! This answered it perfectly. I will attempt a GW. At the time of paying the debt to the OC, I didn't know about the ins and outs of PFD, recalling, and all that Jazz.

spiritcraft1 · ‎10-03-2020

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alipz · ‎10-05-2020

I have the same situation with a utility company, but different CA. I paid the original creditor because the CA kept giving me the run around saying they couldn't find my acct, or they would send me a settlement letter, but never did...

It burns having that collection on my reports after paying it off and working hard to clean up everything else.

tehdrizzle · ‎10-05-2020

Seems normal from what I have on mine. I have over 14 negative/collection items showing and they were all included in our bankruptcy which was discharged. My Wife has nothing on hers, but I ended up with all the "good stuff" apparently.

Just stuff away cash, it takes 7 years for these things to fall off of your reports from what I'm being told. Just save for the next 7 years and you'll have a nice stockpile and get a nice bump when they drop off. That's what I'm doing anyway..

Anonymous · ‎10-14-2020

I went to the website of the CA and under contact us you can only leave basic information and a lengthy comment. I explained the reason for contacting them, that I paid the OC, that I'd like to receive a response to discuss removing this small paid collection, and went into a little detail. Didn't leave much for identifying information but I believe they were able to find the TL with the info I did provide.

Within a week, no response from them came my way. However, they must have read it as they removed the entire TL from all of my credit reports. Thanks for all the advice. I consider this a GW success! I am sure it being a very small collection right at one year old helped encourage them to do away with the TL entirely.

Anonymous · ‎10-14-2020

@Anonymous wrote:
I went to the website of the CA and under contact us you can only leave basic information and a lengthy comment. I explained the reason for contacting them, that I paid the OC, that I'd like to receive a response to discuss removing this small paid collection, and went into a little detail. Didn't leave much for identifying information but I believe they were able to find the TL with the info I did provide.

Within a week, no response from them came my way. However, they must have read it as they removed the entire TL from all of my credit reports. Thanks for all the advice. I consider this a GW success! I am sure it being a very small collection right at one year old helped encourage them to do away with the TL entirely.

@Anonymous that's what I'm talking about, well done! I am so happy for you, things like this make my day!