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Need help to clear a paid off account from collection.

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Subject: Need help to clear a paid off account from collection.
Posted on Mon Dec 10, 2007 9:33 pm  

Is it possible to get a debt that i paid off, off my credit report. I helped somebody open a Cell Phone account and they let it go into collection. I found out when i received a letter from a collection agency. In the letter it gave me and option to pay off the account for a lesser amount. I talked to the agent and told them i do not want this to show up on my credit report. They told me if i paid the full amount it will not show up so i did so.Now a year later i see it on my credit report as a paid off collection. Is there a way to get that removed? Any help will be appreciated.


Joined: 21 Jun 2007
Laura's page
Posts: 1327

36459 Magic Points

Posted on Tue Dec 11, 2007 11:59 am  

Straight away send a dispute letter to the CRA. They will do the investigations within 30 days of receiving the letter and the account should be off. IS this affecting your credit rating? Did your scores drop because of this?
Good remarks stay for 10 years and fall off after that period. If its a negative report then dispute it or else it will take 7 years to fall off from your account.

Joined: 23 Dec 2007
chane's page
Posts: 3

143 Magic Points

Posted on Sun Dec 23, 2007 8:37 am  

You should have got it in writing. Collection agencies will say anything to get your money. They are a very sad and pathetic breed of people.

I agree with Laura. Send a dispute letter. There is no guarantee that it will come off, but since it is paid, you do have a much better chance because the CA doesn't really care to mess with it anymore. I doubt they will verify it. They got their money and that's all they wanted.

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Joined: 03 Nov 2007
goodnatured's page
Posts: 3931

538 Magic Points

Posted on Sun Dec 23, 2007 6:38 pm  

So sorry to say but chane is probably right, you could call them and see if they will give you a letter. Did you ever find out who opened the account? If so, did you file a police report by any chance? When you paid it, you pretty much admitted guilt, I know you just did not want it on your report but it happened anyway. You can write the credit reporting agency but I have a feeling that they are not gonna believe it without proof from the company. Hope it all works out, please keep us updated. Which cell phone company was it?
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Joined: 15 Nov 2007
Dadummy's page
Posts: 547

218 Magic Points

Subject: credit repair
Posted on Mon Jan 07, 2008 5:45 pm  

you can call to clear the judgement sometimes if you explain to them the circumstances they will lift the judgement sooner but most the time it may stay for a year or more all depends on the business. i had the same deal on a cell phone its still on my credit but they messed up so i didnt pay my credit is excellent other than this. good luck hope for the best


Joined: 31 Dec 2007
Shawpiro's page
Posts: 53
Location: Austin Tx

2523 Magic Points

Subject: Challenge it with the credit bureaus.
Posted on Mon Jan 14, 2008 7:45 am  

It is very possible to get it removed completely from your credit bureaus. You need to challenge it and they have 30 days to respond with the documentation or remove it. Its your right.
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Joined: 10 Jan 2008
hummingbird's page
Posts: 116

665 Magic Points

Posted on Mon Jan 14, 2008 9:22 pm  

We have a couple of items on our credit that was paid off through collection.They still appear on our credit report.


Joined: 21 Jun 2007
Laura's page
Posts: 1327

36459 Magic Points

Posted on Tue Jan 15, 2008 11:29 am  

hi hummingbird,

Do these items have any negative rating? If they are good let them stay if not then try disputing.

Posted on Tue Jan 15, 2008 6:31 pm  

I don't think any accounts paid through collections are good.Are they? I always though that had a negative impact on your score. My score seperate from my hubbys is over 600, but since he has taken some loans that I have had to sign for ,mine has fallen from over 700 to what it is now. My hubby controls the income ,and I might add not to good.I can do much better if he would turn it over to me. Thats why the 2 credits we have, have never been late ,because I been paying them.We have much to many open accounts.We paid off 3 accounts this year and I do think he has gone off to make another one.;0(


Joined: 21 Jun 2007
Laura's page
Posts: 1327

36459 Magic Points

Posted on Wed Jan 16, 2008 6:58 am  

Oh yes i overlooked the collection thing. Dispute them. I think thats the best you can do for now.

Subject: its cleard
Posted on Wed Jan 16, 2008 7:56 pm  

I called GC Services and they were very helpfull. All i said was,I was promised this would not appear on a credit report and it did. The girl said ok wait 5 business days and check your report. WAHOOOOO!!!

Subject: what is GC Services?
Posted on Tue Feb 26, 2008 6:03 am  


What is the GC Services which you refered to in your post?


Joined: 17 Apr 2007
Morningstar's page
Posts: 576

11 Magic Points

Posted on Tue Feb 26, 2008 12:47 pm  

They are a collection agency (a very big collection agency).
I don't dream since I quit sleeping

Joined: 20 Feb 2008
diem's page
Posts: 82

237 Magic Points

Posted on Tue Feb 26, 2008 2:36 pm  

GC services is also very good with skip tracing. They WILL find you somehow. They do alot of collections for Capital One.

Subject: credit monitoring agency?????????????
Posted on Sat Mar 15, 2008 9:43 pm  

I recently signed up with lending tree credit monitoring for $12.oo a mnth with a $29.00 fee to veiw all 3 credit reports is it worth it to use this? My scores haven't changed with 2 pay off accounts and 2 collections paid off wondering are they really letting me see the true report since the changes to try and boost my score

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