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Rebuilding credit need advice

New Contributor

Rebuilding credit need advice

I got an alert on a new collection on my credit file.

 

I found out the new collection agency does not have the file any longer,

but they wont remove it from my credit file. How will I be able to get it removed...

The debt is paid directly to the original creditor...

Lender pull:
10/2010: EQX 568 EXP 622 TU 555
02/2011: EQX 575 EXP 605 TU 571
06/2011: EQX 601 EXP 598 TU 593
07/2011: EQX 612 EXP 622 TU 598
07/2011: EQX 594 EXP 602 TU 654...Ultimate goal 700+
Message 1 of 4
3 REPLIES
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Valued Contributor

Re: Rebuilding credit need advice

Your post is a bit confusing. I had to read it several times. When did you get the alert of the new collection? Was the OC reporting also? Is the CA reporting a closed with zero balance? If not that's all they are obligated to do. The only thing you can do now is send the CA some GW and see if that works.
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scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 2 of 4
New Contributor

Re: Rebuilding credit need advice

The original creditor (ATT) did not list the debt on credit bureau

only the collection agengy did

 

So my question is since the debt was paid directly to the original creditor (ATT)

can I have  the credit bureaus remove the collection agencies listing since the debt was paid and they were not the listing agency did and does not have the account, they lost the account. 

Lender pull:
10/2010: EQX 568 EXP 622 TU 555
02/2011: EQX 575 EXP 605 TU 571
06/2011: EQX 601 EXP 598 TU 593
07/2011: EQX 612 EXP 622 TU 598
07/2011: EQX 594 EXP 602 TU 654...Ultimate goal 700+
Message 3 of 4
Moderator Emeritus

Re: Rebuilding credit need advice

Send them a GW and ask that they remove it.

 

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

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!

June 2017 update: All scores over 820, just pure gardening now.
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