Settled/PFD Success and a question

[MrsCHX]

I had 2 medical collections ($270 and $830) that were with one collection agency.

I called today to ask for a settlement after the OCs declined to recall.

I was told that they no longer hold the $830 collection and she offered 50% settlement PLUS deletion. I paid it immediately! 

Now, can I dispute the $830 collection since they no longer hold the debt? 

[Anonymous]

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@MrsCHX wrote:

I had 2 medical collections ($270 and $830) that were with one collection agency.

I called today to ask for a settlement after the OCs declined to recall.

I was told that they no longer hold the $830 collection and she offered 50% settlement PLUS deletion. I paid it immediately! 

Now, can I dispute the $830 collection since they no longer hold the debt? 

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Yes, if they no longer have collection authority, they should delete their reporting, under CRA reporting guidelines.

[RobertEG]

Yes, it should be deleted, but the problem is that you only have their oral statement, and thus no hard documentation to provide to the CRA,

Thus, I would first call the debt collector and remind them of their credit reporting obligation to delete their collection.

I would then wait a month or so for them to report the deletion before formally disputng without any hard facts.

[RonM21]

Yeah, give it a bit of time to be removed before taking it up to the dispute level. That will be great to have 2 collections removed.

[surferchris]

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@RobertEG wrote:

Yes, it should be deleted, but the problem is that you only have their oral statement, and thus no hard documentation to provide to the CRA,

Thus, I would first call the debt collector and remind them of their credit reporting obligation to delete their collection.

I would then wait a month or so for them to report the deletion before formally disputng without any hard facts.

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Agreed, always get them to fax/email a PFD letter.