Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Report
Profile Image

Question By
Trappedinthesystem

4 Contributions
0 People Helped
Can disputing paid collection item reactivate it?
My credit report showed an item that was in collection a few years ago due to the billing being sent to an incorrect address. When I found out about it by seeing it on my credit report I paid it off. However the record still shows "collection - open" Recently I filed a dispute against the item because I don't feel I should be punished for their records error and also because the items still showed "open". Now, Credit Karma is showing the collection item as "active"! This is bound to hurt my credit and I'd caution anyone with a similar circumstance to consider not disputing items on their credit report as it appears to refresh them.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
5038 Contributions
1134 People Helped

When a dispute is done, then an update to the account will happen if the account is not removed. If the negative account has not updated in a long time, when it updates it will look like a fresh collection to the scoring system and will reduce scores. However, if the collection was in open status when it was in fact paid, then you had every right to dispute it. Did they close it? I am not sure why Credit Karma would be now showing it as an active collection.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.