I have an account with PRA that I have paid in full on January of this year. They have since then reported a 0 balance and in the comments section wrote "paid collection". However, under the type of account it still is listed as open. The DOFD was 6/06 and I really just want this removed. I would like to know how to get them to report this as closed (& does that matter) or have them delete this all together. This TL is listed as a negative item on my credit report which is certainly hurting me as far as the score goes(I think). I also have the original Bank of America secured CC account on my credit listed as a "charge off" ... These are the only two negative items on my credit and are the from the same account. Is it legal for BOA & PRA to be reporting the same thing... Is there anyway of having BOA and PRA remove these?
Any help would be appreciated...
Yes, they can both still post to your CR. It should be Paid/Closed, but should be in the collections portion. Good thing is, it's nearing end of life, maybe another year on your report then gone. Send both of them GWs, it's worth a try.