I have the following on my credit report:
Collection Reported 11/2006; Assigned 11/2004; Creditor Class - Medical/Health Care; Amount - $54; Status as of 11/2006 - Unpaid; Date of 1st Delinquency 07/2002; Balance as of 11/2006 - $76
This was for a $40 medical bill 07/2002. I was contacted by the Collection agency 12/2004 and paid them immediately ($59) - I have proof (credit card receipt) that they received payment 01/2005.
Shouldn't the status be different ? Is it possible to get this removed, or if not removed - the status changed and the dates changed ? It seems to have 're-aged' to 11/2006 even though it was completely paid off more than 2 years ago. Will getting the status changed improve my FICO ?
As a final note - when can I expect this to fall off my report ?
Thanks for any help in advance
snaggs