Collection Reported After I Paid

[Anonymous]

Is it possible for a collection that was not in my reports to update their trademark on my Transunion when I already paid for it? A utility bill under my name went to collections after my sister in law didn't pay it without me knowing from 2018. I just found out about it when I needed to switch my current utility from my ex's name to my name. I paid it all off. It's not reporting on any of the credit bureaus and today I got an update on my Transunion that it updated to $0. It didn't affect my score but I have another record of collection added. I paid the utility company directly and not the collection agency. Can I ask the CA to remove it?

[OmarGB9]

I would ask the utility company to recall it/ask the CA to delete their reporting since you paid the utility company directly and before it was on your CR.

[gdale6]

---

@OmarGB9 wrote:

I would ask the utility company to recall it/ask the CA to delete their reporting since you paid the utility company directly and before it was on your CR.

---

Once its been paid there is no such thing as recalling the collectors. You need to request this PRIOR to paying as it removes the collection authority. A CA has the legal right to report once its been paid to the OC even if their TL wasnt apparent at the time.

[gdale6]

---

@Anonymous wrote:

Is it possible for a collection that was not in my reports to update their trademark on my Transunion when I already paid for it? A utility bill under my name went to collections after my sister in law didn't pay it without me knowing from 2018. I just found out about it when I needed to switch my current utility from my ex's name to my name. I paid it all off. It's not reporting on any of the credit bureaus and today I got an update on my Transunion that it updated to $0. It didn't affect my score but I have another record of collection added. I paid the utility company directly and not the collection agency. Can I ask the CA to remove it?

---

Yes, you would want to write the reporting CA a goodwill letter asking for removal of the TL

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Stories/td-p/1573680

[RobertEG]

As long as the debt collector had legit collection authority at some point in time, they can report their collection to the CRAs.  While it is not common for a debt collector to first report their collection after the debt is paid, it is permissible.

The collection should be reported/updated to show closed, paid, $0 balance.

Payment of the debt, regardless of to whom it is paid, is not per se basis for requiring deletion of, or preventing first reporting of, a collection.  That is specifically stated numerous times in the common credit reporting manual used by each of the big-3 CRAs.  The CRAs only mandate deletion of a reported collection if the debt collector has had their collection authority terminated prior to payment of the debt.

That is not the case when the debt is paid while a collection remains active.

You can contact the debt collector and request them to voluntarily delete their collection, but there is no basis for requiting that they do so.