Collection Status question?

[notoriousrod]

It's been a while since I've been back here to myfico.  I learned to much earlier this year and I've gotten my score up since January, which I am very proud of.  I'm still on track to get my score above 700.

Well enough of my intro, I just purchased my Equifax and I subscribed to Fico Quarterly Monitoring.

I still have one collections on my equifax that I have paid off, but it's still there.

I was concerned when I saw my transunion report of the same collection. It showed a balance of $448.

Here is my Equifax:

Collection agency        496yc03413

Original balance          $379

Current balance           $0

Status                        Paid

Date assigned             Sep 01, 2007

Date reported              Mar 01, 2008

Date last active           Jul 01, 2007

Date paid                   Not Reported

Date closed               Not Reported

Original lender           At T Mobility 

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Here is my TU

Collection agency     Nco Fin /99

Original balance       $379

Current balance        $448

Status                     Not Reported

Date assigned          Sep 29, 2007

Date reported           Jan 05, 2008

Date last active         Not Reported

Date paid                 Not Reported

Date closed             Not Reported

Original lender          At T Mobility

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So I guess what I'm wondering is ....

a.) How can I get the collection removed from my equifax, since it's paid off.

b.) With the Status of the collection on the TU side showing not reported ... what does that mean? Should I have them correct this? It's definitely paid off.

Thanks In Advance!

[Anonymous]

A paid CO can be reported as long as they mark it as paid. You can try to GW them, but they do not have to delete.

As far as TU showing a balance due, I would dispute the balance through TU.

Message Edited by scorerise on 06-30-2009 03:49 PM

[notoriousrod]

Thanks for the reply scorerise!

Should I send the GW letter to the Collection Agency or AT&T?

[Anonymous]

Send a GW to any company you want to delete. If ATT is not on your CR, dont bother with them, just the CA.

[RobertEG]

Here is my take.

The CA may have been reported to EQ as paid in full, but not to TU.

That could be for different reasons. 

Paying off the OC balance might not be considered by the CA as being full payment of what is owed on the CA account.  Further interest?  Further CA fees?  So maybe they only reported the addit amts due to TU.

You may think you paid it off, but obviously they dont see it that way.

Legally, each CA will drop from your CR only after 7 1/2 years from the DOFD on the OC account that led to the collection.  The only way to get them off sooner is through GW letters, and CAs are not noted for GW.