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Question By
johnnyjohnjohn

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Collection account disputed;Successfully removed. Can it reappear because of a status update?
Hi everyone,

I'm new here so pardon if this is not written properly. About a year ago I joined Lexington Law firm, a company that disputes items on your credit for you; I didn't know I can do it my self at the time. I had 2 collection accounts San Gabriel Medical at almost 2k and Arcadia Medical at almost 1k. The arcadia medical was successfully removed from the Bearus around 10/2016. Fast forward to now the San Gabriel is still on there as my only collection. I'm buying a house in 2 months so I have run out of time, after multiple disputes I called the collection agency and had them agree to a pfd for the San Gabriel account( a very stressful negotiation, they wanted to bring the arcadia account in but I fought them and told them I was only dealing with the account in question San Gabriel, but that whole pfd negotiation is a topic on its own that I plan on posting later).

This is where my question comes in. After we negotiated the PFD and finished that deal, We were ending the call when the supervisor I was speaking to asked me what I wanted to do with my other account, the arcadia one. I didn't want to send him to hell on that since we kinda patched things up and he was going to report the deleted account tomorrow morning to the bearus to help me so I thought of a respectful way to deter away from the arcadia account. I told him that I did not want to address that account at the moment that and i was going to leave it disputed as it has been. Thats when he said ok he would update it to dispute status. I was shocked and scared, Im thinking I just put that back on my credit. I told him that the account had already been disputed and has been removed from my credit. He said yea that didn't matter that what he was going to update was on their end, that the Arcadia account showed "promise to pay" on their end and he was going to update it to "dispute". Again I don't trust debt Collectors so I wanted ask here. Did I just screw my self and make the Arcadia account appear again on my credit because of the status update on their end?

Thanks in advance to anyone that can help.

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Top Contributor
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Who knows for sure, but I wouldn't worry about it if it isn't on your reports. Collectors will have internal files on you that they update for themselves, so he could've been telling the truth, but I too wouldn't trust any of them.

Reply by
johnnyjohnjohn

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Yea that is what i want to think, i just feel like i got suckered at the end. Since i am going to be starting my pre approvals in a month or so it would be devastating for my Family and I if this appears on my credit out of nowhere. I just want to be sure that it wont get reinserted, im hoping someone here has some experience on this. Thank you for your reply.

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