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BMax wrote:I work for a collection agency. Chances are if you paid the account as soon as you received a notice, it won't be reported as a collection account in your credit files. It also depends on who the original creditor is. They will establish an agreement with the agency which may include the option not to report to the credit bureaus until 30 or 60 days has passed without payment. Some agencies won't report to the bureaus at all. For $45, it was probably an inhouse letter used by the original creditor to motivate you to pay 'or else'. You probably have nothing to worry about.PS: Kudos to you for 'doing the right thing'!!:-)Ditto what BMax said. I had a few fall through the cracks after my bk. When I got the letter I paid and never showed up on my report. I asked the collector before paying and it was the notorious NCO, if they woudld remove it from the report if I paid and they tolf me that it doesn't get reported until its been more than 30 days.