Creditor is incorrectly reporting information

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lsharp
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Subject: Creditor is incorrectly reporting information

Fri Oct 23, 2009 6:55 pm

I settled an account and the creditor is still reporting it as a collection with a zero balance. Is this correct?

Justin

Justin

Joined: 17 Jul 2006
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Posts: 1093

25288 Magic Points

Sat Oct 24, 2009 11:53 am

Isharp,

No, it should show something like, ‘settled in full’ or ‘paid as agreed’ in your report. How long has it been that you have settled the account? Normally it takes more than 3 months to update the credit report. I would suggest you to wait for that time and then if you find it appearing in your report, write a dispute letter to the bureau. Also do not forget to call the creditor and ask about the listing.
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