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Posts: 1
Registered: ‎06-04-2008

Paid off old long until it is reported?

How long does it typically take for creditors/collection agencies to report that an account that was past due or in collections is now paid? I know that it will continue to remain on my account as negative, but figured the $0 balance was better.
In addition, several of these items were due to a former roommate not paying the bill when I moved. I have disputed these with the credit agencies and stated that I would have paid if I was aware of the bill after moving. Hopefully they will be sympathetic since the balance is paid. I know that this will take 30-90 days.
Moderator Emeritus
Posts: 7,326
Registered: ‎06-18-2007

Re: Paid off old long until it is reported?

You are correct unless deleted from CR they will remain approx.7 years from DOFD.  Paid only helps with a manual pull.
The CRAs (if that is where you sent a statment) will do nothing!!!   wait untill it is reported and then send GW letters asking for delete to whoever you paid.
Valued Contributor
Posts: 2,340
Registered: ‎04-08-2008

Re: Paid off old long until it is reported?

Creditors usually have their dates...they report...but some can put in the request...with 72 hours...they say 30 days...but I have been told several times...with CA's...that the request would be put in...and after a week....they were updated...

Do you plan on sending GW letters???...a CA old me they DO NOT do PFD...but as soon as they updated the account PAID...with the CRA...I sent them a GW letter...a few days letter...I got a letter...saying they would delete...

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