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    <title>topic Negative Debt question in Rebuilding Your Credit</title>
    <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Negative-Debt-question/m-p/2064457#M261712</link>
    <description>&lt;P&gt;Hello world, will keep this short and to the point.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;FONT color="#333333" face="Arial"&gt;&lt;SPAN&gt;I owed a company some money from about 5 years ago (Symco Energy). They sold this debt to a collection company who never bothered to contact me in effort to collect (I would have paid). The collection agency (AMERICOLLECT INC) reported this as a debt about 6 months ago. They didn't want to do a pay for deletion and validated the debt. I contacted Symco and they told me if I paid them they will have the collection agency delete the entry on my credit report. I should have received that in&amp;nbsp;writing&amp;nbsp;because what I expected to happened to play out. The collection agency reported it is paid.&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;FONT color="#333333" face="Arial"&gt;&lt;SPAN&gt;My question is this, does that&amp;nbsp;violate&amp;nbsp;any rules, laws, policies etc? I would think since i&amp;nbsp;paid&amp;nbsp;the&amp;nbsp;original&amp;nbsp;person the collection agency should be&amp;nbsp;aloud&amp;nbsp;to post anything.&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;FONT color="#333333" face="Arial"&gt;&lt;SPAN&gt;I had plans of writing all of this up and sending to the big 3 to see if I could get a delete since that's what was&amp;nbsp;verbally&amp;nbsp;promised. I'm really salty this&amp;nbsp;company&amp;nbsp;didn't try to&amp;nbsp;contact&amp;nbsp;me they just slapped it on my credit file. But at the end of the day I should have paid it so the fault is all mine.&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT color="#333333" face="Arial"&gt;&lt;SPAN&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT color="#333333" face="Arial"&gt;&lt;SPAN&gt;Thanks!!&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/P&gt;</description>
    <pubDate>Mon, 15 Apr 2013 15:44:49 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2013-04-15T15:44:49Z</dc:date>
    <item>
      <title>Negative Debt question</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Negative-Debt-question/m-p/2064457#M261712</link>
      <description>&lt;P&gt;Hello world, will keep this short and to the point.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;FONT color="#333333" face="Arial"&gt;&lt;SPAN&gt;I owed a company some money from about 5 years ago (Symco Energy). They sold this debt to a collection company who never bothered to contact me in effort to collect (I would have paid). The collection agency (AMERICOLLECT INC) reported this as a debt about 6 months ago. They didn't want to do a pay for deletion and validated the debt. I contacted Symco and they told me if I paid them they will have the collection agency delete the entry on my credit report. I should have received that in&amp;nbsp;writing&amp;nbsp;because what I expected to happened to play out. The collection agency reported it is paid.&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;FONT color="#333333" face="Arial"&gt;&lt;SPAN&gt;My question is this, does that&amp;nbsp;violate&amp;nbsp;any rules, laws, policies etc? I would think since i&amp;nbsp;paid&amp;nbsp;the&amp;nbsp;original&amp;nbsp;person the collection agency should be&amp;nbsp;aloud&amp;nbsp;to post anything.&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;FONT color="#333333" face="Arial"&gt;&lt;SPAN&gt;I had plans of writing all of this up and sending to the big 3 to see if I could get a delete since that's what was&amp;nbsp;verbally&amp;nbsp;promised. I'm really salty this&amp;nbsp;company&amp;nbsp;didn't try to&amp;nbsp;contact&amp;nbsp;me they just slapped it on my credit file. But at the end of the day I should have paid it so the fault is all mine.&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT color="#333333" face="Arial"&gt;&lt;SPAN&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT color="#333333" face="Arial"&gt;&lt;SPAN&gt;Thanks!!&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/P&gt;</description>
      <pubDate>Mon, 15 Apr 2013 15:44:49 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Negative-Debt-question/m-p/2064457#M261712</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2013-04-15T15:44:49Z</dc:date>
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