I had a collection account on my CR. The original creditor did not report to any CRA, only the collection agency. I paid the balance to the orginal creditor. The collection agency then changed my CR to "paid collection". I disputed with CRA saying that I never had any dealings with the collection agency and paid original creditor directly. The CRA deleted the account. Question: Did CRA delete because I had no dealings with the collection agency? Or did collection agency not respond? If the 1st is true this is a great method for getting collections removed when the original creditor isn't reporting.
They probably forwarded it to the collection agency, whose records show a paid off debt, collector saw no reason to respond to your dispute, hence item was not verified to the CRA and removed. Saar
