I have a paid collection on my EX credit report that hit the five year mark yesterday (based on my statement). I had paid the bill two months ago but the CA only changed the tradeline to paid, collection even though I paid the OC directly. I had planned to dispute the account but I am sure EX will not let me dispute it again online.
This is a paid medical bill and I was wondering if I should start the HIPAA process or just see if EX will delete the account based on the NYS 5 year reporting max for paid collections?
Also, I had previously has a paid collection account on EX last year and at the 5 year mark, they actually changed it a positive account. I contacted them and had them remove the collection accout all together. I wonder if they will do this to this collection account.....
Starting Score: TU:537 Current Score: TU:683 (3/11/10) Goal Score: TU:740