What to do if I paid a collection agency over 2.5 years ago but my credit report still shows the debt as unpaid?
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What to do if I paid a collection agency over 2.5 years ago but my credit report still shows the debt as unpaid?
I have missed a payment for a mobile carrier 4 years back and it got reported on my credit history. A collection agency contacted me and I paid them off 2.5 years back. When I check the credit report it still shows as amount not paid. I disputed the same with the credit agency but they got back to me and said that the mobile carrier is still claiming that i havent paid it. I contacted the m.carrier and came to know that no record exists with my details in their database. I was wondering if they don’t have any record, how can they still report as I haven’t paid them.
Asked on March 27, 2012 under Bankruptcy Law, Illinois
Answers:
FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney
Answered 12 years ago | Contributor
If you paid in full the debt currently being reported by a credit reporting agency to your creditor, you need to contact your former creditor and get something in writing stating that the debt has been paid in full by you. When done, you then send a copy of the letter to the credit reporting agency requesting that your credit report be modified to show that the debt has been paid in full.
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