Question on Disputed Collection Account

[kklblue5]

I had an unexpected collection account appear on my credit report.  Yes it was something I owed. I contacted the CA asked for a paid in full for removal, they stated they do not do that.  They also stated that if I dispute the item by saying "paid in full prior to collection", that they wouldn't respond to the inquiry from the credit bureaus.  I disputed all three TU, EQ, and EX.  So far I have received deletions from TU and EX, but nothing from Equifax.  Does it take Equifax longer.  When I pulled my credit Equifax is showing that its a collection account with a zero balance, but not removed.  It has NOT been 30 days yet, so am I jumping the gun.

Any help is appreciated.

Thanks.

So far my scores went from TU 570, EQ 541 to 3/4/11 TU 708 and EQ 633.

[LIGHTNIN]

I'm confused, is this a paid collection? How did you contact the CA,by phone or mail?

With EQ showing a balance of $0, it is still hurting your CS,but as you know, if removed you may see a score jump.

Now if the this is an unpaid collection, they may have just sold it to another CA.

IME, contacting a CA by phone, most of the time they will not agree to a PFD,but sending a PFD by mail they may feel differently and delete.

[kklblue5]

When I pulled my credit report, i found an account that went to collection.  I contacted the collection agency and the collecation agency told me that when I paid the $75.00 in full that if I disputed the item (paid in full prior to collection) on all 3 credit reports that they would not respond to the inquiry from the credit bureau would have to remove it..  So far TU and EX  have removed the item completely.  However, EQ has not done anything, but it has not been 30 days.  

Is it to soon?

[LIGHTNIN]

I afraid since they changed the balance to $0, they do not indent to delete.

[RobertEG]

I am confused about their statement.  It is already under collection.  If you PIF now, what would be the basis for a dispute?  How would you show that you paid prior to collection?