Contacted from Collection Agency

[Anonymous]

I was contacted by a collection agency about a debt they had for me in their office. It was the first time I had spoken to them as they had the wrong number. They informed me that on April 1st they reported it to Transunion the debt was for $30. I took care of the debt yesterday. When checking my credit report it does not show up as of April 16th. How long does it typically take to show up?

[OmarGB9]

It could take up to 30-60 days, but they also may have been bluffing, or they may have pulled their reporting since you paid.

[4sallypat]

Beware of any debt collectors - they may just be trying to scam you - so check before you pay!

I have received so many "bluff" collection notices over time that it's funny - stuff that was way past the statute of limitations - they still try to scare you into paying a portion.

When I call them on their bluff, they back down very quickly noting how long ago that debt was....