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I have three "collection paid" notices on my credit report. Each one occurred when I moved from one state to another and did not realize I had outstanding items.
As soon as I found out about them I paid them off. Which I am now finding out may not have been the best thing to do. But that is the situation I am in now.
Can I send a letter requesting that these items be removed from my credit report since they have been paid? Is there anything I can do to eliminate them from my credit report?
Thanks.
Jason
Hi Jason
As per the Fair Credit reporting Act, even paid collection stays on your credit report for seven years and 180 days from the date of your delinquency. However, the negative item can be removed only if you can negotiate with the creditor for Pay for deletion agreement before you pay off the debt and that too in writing. Now, since you have already made the payment towards the debt, I don't think that the creditor will agree to remove it from your report. However, you can request the creditor to remove it.
Yes, Justin is right. Since you have already paid off the debt, the creditors will not have any incentive to remove it from your report. You can request the creditor to remove the item from your report, but I don't think it will help. PFD should always be made in writing and that too before you pay off the debt. Once you pay off the debt, there is no other way out to remove it from your report.
I have a hospitol debt listed on my report due to a doctors billing error. I amy have mentioned it before but she was suppose to use a hospitol code but used her own office code instead. This resulted in many many double co-pays which I have yet to get straightened around. Can I dispute it on my report? I ahve tried calling Highmark but they said since it was billed wrong and could not be resubmitted someone would have to pay those co-pays. I do not feel it should be me since it was her billing error. This has been an ongoing nightmare for months!
Hi fireyone
Under the FCRA, the credit bureaus and your creditor, both are, are responsible for correcting inaccurate or incomplete information in your credit report.
Tell the the credit bureau, in writing, what information you think is inaccurate. Include photocopies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report, you dispute. State the facts and explain why you dispute the information, and request that it be removed or corrected.
You can also enclose a copy of your credit report, with the items in question, circled. Send your letter by certified mail, with a “return receipt requested,â€. Keep copies of your dispute letter and enclosures. Credit bureaus must investigate the items in question, usually within 30 days.
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