I paid off a collector on some apartment expenses debt (was bogus, but we didn't do move-out inspection so couldn't prove was bogus) in July. They told me that they would take it totally off of all 3 of our credit reports if i paid it that day. I didn't get a letter from them to this effect (stupid i know). Now it is October and it still shows up on all 3 credit reports as 'unpaid'. Three months and they haven't even said it's been paid, much less taken it off. How should I proceed? Should I just call them and ask them to remove it from our reports? Reference that I paid in July and they said they'd remove it completely from our reports since I paid in full? Or is there something else we can do since they have not acted in a timely manner to even report it as paid, much less remove it, from our reports? What's the best plan of action and best way to approach them about this?
"Should I just call them and ask them to remove it from our reports? Reference that I paid in July and they said they'd remove it completely from our reports since I paid in full? " Do it in writing. Send it CRRR. How did you pay them, by check, or in cash? If you paid cash, did you get a receipt?
already called them; they said it's in their system as removal status and should have already been removed; they said they will send it again to the creditors and send us a letter to our address; they also want me to fax in our reports showing it still says unpaid
Put it in writing. Make a copy of your reports, black out all non-applicable information on the page that shows it, and FAX and send it with your letter.
so put a cover sheet that says these are the reports that show our collection still unpaid even tho we paid in July and we need them taken completely off of our reports as we paid in full in July in return for removing them from our reports? or is there something else to say? btw, i paid with check or credit card, so there is a receipt
Include when this was originally paid, what they agreed to when you originally paid, and include that you are sending this as they requested in your later phone call on xx/xx/xx, so that they can remove it as agreed. Request that they correct this matter promptly. In other words, pin down in writing what happened, when, what was agreed to, and what you want them to do. They don't need your full reports. Just send them the part that shows what they are reporting, so they can see it hasn't been removed as agreed, and is even showing unpaid. FAX it, and send it by mail, CRRR, to provide a record of their receipt.
