I may just be impatiently waiting and need to give it more time but thought it wouldn't hurt to get some opinions in the meantime... I had an old bill that I realized was still out there and needed paid. Had begun working on my credit and didn't want any surprises. Contacted original company, they stated there was nothing in collections and agreed it was okay to pay off with tax refund and I also paid a portion to them about a week and a half later when I had some extra just to show them I was definitely going to pay (which they also said would be fine). At time of call and throughout waiting for tax refund there were no collections on my report. Paid them off in full as soon as refund was in my account.
Four days later I get an Experian alert that a collection was added to my report. I see that it is from a CA for this very bill and showing as unpaid. What's weird is not only was the bill taken care of with original company four days prior to this CA report date but the CA also showed an opened date of two months prior. I called original company who confirmed I had no balance and there were no collections. So as it was later in the evening and past the CA business hours I called Experian and submitted dispute as "paid original company before this showed up on my report, original company confirmed not in collections, please remove." Next morning I get alerts about it showing up on the other two bureaus. Called the CA who confirmed they did see the original company had been paid prior to their reporting so they stated they will remove from my credit reports. I called them back the next day to reconfirm what original rep told me and this new rep also stated they report to bureaus once a week on weekends but it can take some time for the bureaus to update as such. So anyway that means this weekend they should have reported the deletion to bureaus. How long do you all think it will take to see this update? I know that their last report took about two business days from when they said they reported for me to get alerts so I'm hoping for some good news tomorrow or next day. But how long before I consider doing more? And if I need to do anything further should I start disputes with the other two bureaus? Would submitting my payment confirmation to original company help even though the CA is trying to show that their account started before that payment? Sorry if this is confusing. It surely is to me as well. LOL I'm just feeling so disheartened that this happened at all literally right at the time that I had paid cards off for score boost and was looking to grab one or two good cards to replace predatory ones. Before this collection showed up my only derog is a 30 day late from 2017.
Thanks in advance for anyone taking the time to read or reply.
The CA has proven more trustworthy so far!
