I was curious what haapens if I pay the oc who is not showing up on my cr instead of paying the collection agency who is.Can I then dispute to the cra that this is a paid debt and they ca should not be reporting.
Batter yet, the CA would be reporting a debt that has been paid. In other words it would be an erroneous listing. Validation AND disputes are fair game because you are on a fast path to deletion or cash. -Peace, Dave