Newbie with a Past Collection/Paid question

[Anonymous]

I pulled all 3 of my credit reports today and noticed that two of them have a listing of a creditor that I believe I paid off a couple of years ago.  In the notes on Experian it says "Status: Paid, Closed/Collection Amount." I believe I paid that off, is that what the status means? Equifax says that the status is P-Paid. And there is nothing listed in Transunion about it.  Should I send a letter?  This is a scary experience for me and I just want to make sure I am doing the right things and not get into any kind of trouble.

[fused]

Are you sure this med collection doesn't report as "collection account"? Its paid. You can use the HIPAA letter process. Here are the first few steps.

1.) You must Opt Out of two things: Your Credit Reports and All Creditors. The first one ensures that the CRAs will not sell your personal data to anyone else (haha…no more data mining). The second one will prevent JDBs (and CAs) from buying and selling bogus collections.

Use this link to opt-out of your credit reports

OPT-OUT CREDIT REPORTS (or call 1.888.567.8688)

Use this link to opt-out from all of your CURRENT creditors that you're in GOOD standing with. Do not attempt to opt-out with any CAs or current creditors that you're in BAD standing with (i.e. charge-offs, or currently late).

OPT-OUT ALL CREDITORS

2.) Also, be sure to update your personal information with the CRA's before attempting to reestablish your credit.

3.) Send the pre-HIPAA dispute letter to the CRA ('s) CM (no RR, this is the only letter in the HIPAA process where you will not send it CMRRR) and wait up to 35 days for the results of the their investigation(s). Be sure to handwrite this letter and use personalized stationary. If your med collection is deleted, you're finished. If its not deleted, post again in this thread for more advice. Good Luck!

PRE-HIPAA MEDICAL DISPUTE LETTER