Question about an old baddie

[kenred76]

Howdy gang,

So today I got my hands on a letter from a collection agency dated 8/4/11. It basically said that I had 30 days to respond or they would assume the debt is valid. It IS a valid debt, however at the present time it isnt showing on any of my CR's. I plan to make arrangements to pay the debt (an old student loan) but it will have to go on the back-burner for the time-being.

My question is, if they DO report the debt to the agencies, does it pop up right away, or will it appear on my report at the beginning of next month, assuming they submit it during September?

Thanks in advance....

[Booner72]

It could pop up anytime after they submit the info to the credit reporting agency - it just depends how long the CRA takes to post the info they get.

[John060675]

Some will never post the collection, which I do not understand.  I am glad they do not though, since I have several that are not showing up (yet).