disputing and error

[Anonymous]

I disputed an error on an account still listed with a balance that was sold to a collections, I paid it in full but the original lender still has the balance listed and its killing my score. They didnt fix it when i disputed it what should I do

[Anonymous]

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@Anonymous wrote:

I disputed an error on an account still listed with a balance that was sold to a collections, I paid it in full but the original lender still has the balance listed and its killing my score. They didnt fix it when i disputed it what should I do

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Who did you dispute with?

[RobertEG]

How is the balance listed?

If the debt has been paid, both the OC and CA should now show a $0 balance. 

If the OC account was ever charged-off, then your CR might still show the amount of the original CO.  That would not mean that any debt is owed to them.

[Anonymous]

The account was charged off.  I paid the CA who is reporting paid in full.  The OC is still showing the late balance.  I've tried talking to the OC which is hard since it was a bank that was sold to another bank, however they were rude and not very helpful.  Should I send the bank a letter explaining all this with a copy of the paid in full from the CA to get this taken care of or is there a better way to do it.  One CRA was smart enough to figure it out when I disputed it and they fixed it the other two not so smart and said it was still correct which it clearly isn't.  Thank you for the help

[Anonymous]

I forgot to say the OC is still reporting the full balance and a late balance of a different amount.

[Anonymous]

can anyone point me in the right direction?

[llecs]

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@Anonymous wrote:

The account was charged off.  I paid the CA who is reporting paid in full.  The OC is still showing the late balance.  I've tried talking to the OC which is hard since it was a bank that was sold to another bank, however they were rude and not very helpful.  Should I send the bank a letter explaining all this with a copy of the paid in full from the CA to get this taken care of or is there a better way to do it.  One CRA was smart enough to figure it out when I disputed it and they fixed it the other two not so smart and said it was still correct which it clearly isn't.  Thank you for the help

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I'd send a GW letter to the exact same address as the one on your CR and ask them to update, then go into a "BTW" and ask them to remove any lates and/or neg. comments.