Welcome @econberkeley What was the collection for? What date most importantly started this and who they collecting for?
@econberkeley wrote:I got a collection letter about 10 days ago for few hundred dollars. Collection rep told me that it did not hit my credit yet and I confirmed that with all 3 credit agency reports. However, I don't want to be in a situation where I pay the collection and later the debt shows up in the credit reports few days/weeks later. Is there a form collection agency may sign stating that they did not, are not and will not send this to the credit agencies? I can also record my conversation with the rep's name and id to protect myself. What should I do?
You should get it in writing that if you pay it, they're not going to report it.
Then if you pay it and they do report it anyway, file a complaint against them with the CFPB.
Again. Who is the collection agency and who are they collecting for? It might be a collection agency that deletes after settle/paid.
@econberkeley wrote:What about negotiating the price with the rep and get it in writing that I have paid it off 100%. Would that work? Any risk with negotiating the price?
No that would not work. They can't lie.