https://ficoforums.myfico.com/t5/Mortgage-Loans/Aaah-Does-it-ever-get-easier/m-p/2419751#M133815 So after a year of working tirelessly to repair my husband's credit to buy our first home, we're finally at a point where we have a preapproval and our home is weeks away from completion (it's new construction). After applying for the mortgage a collection company contacted us via a dunning letter about a debt that was owed for an apartment complex we had lived in 2 years ago. Knowing that it was ours, I emailed their collections supervisor to tell them that while we weren't accepting liability for the debt, we would pay it "in the spirit of compromise". He accepted and said that while he may not be able to stop them from reporting as it automatically gets out on sometimes, that they could promise that they'd delete it if or when it went on. Well a few weeks after paying (after receiving their acceptance of my offer) it seems the tradeline is popping up. My question is, how long will it take for them to get this off of our report?? I'm so completely terrified since we're within weeks of closing. Wed, 04 Sep 2013 00:00:15 GMT Anonymous 2013-09-04T00:00:15Z https://ficoforums.myfico.com/t5/Mortgage-Loans/Aaah-Does-it-ever-get-easier/m-p/2419751#M133815 So after a year of working tirelessly to repair my husband's credit to buy our first home, we're finally at a point where we have a preapproval and our home is weeks away from completion (it's new construction). After applying for the mortgage a collection company contacted us via a dunning letter about a debt that was owed for an apartment complex we had lived in 2 years ago. Knowing that it was ours, I emailed their collections supervisor to tell them that while we weren't accepting liability for the debt, we would pay it "in the spirit of compromise". He accepted and said that while he may not be able to stop them from reporting as it automatically gets out on sometimes, that they could promise that they'd delete it if or when it went on. Well a few weeks after paying (after receiving their acceptance of my offer) it seems the tradeline is popping up. My question is, how long will it take for them to get this off of our report?? I'm so completely terrified since we're within weeks of closing. Wed, 04 Sep 2013 00:00:15 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/Aaah-Does-it-ever-get-easier/m-p/2419751#M133815 Anonymous 2013-09-04T00:00:15Z https://ficoforums.myfico.com/t5/Mortgage-Loans/Aaah-Does-it-ever-get-easier/m-p/2426681#M134030 <P>I would give them 30 days.</P> Fri, 06 Sep 2013 17:42:57 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/Aaah-Does-it-ever-get-easier/m-p/2426681#M134030 Anonymous 2013-09-06T17:42:57Z https://ficoforums.myfico.com/t5/Mortgage-Loans/Aaah-Does-it-ever-get-easier/m-p/2427003#M134038 <P>I would call and tell them it showed up and tell them that you need it removed as soon as possible. They should be able to do it within a few days.</P> Fri, 06 Sep 2013 19:31:11 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/Aaah-Does-it-ever-get-easier/m-p/2427003#M134038 Anonymous 2013-09-06T19:31:11Z