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Emito1995

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company making it vanish
so one of the current accounts i have had me sent to collections and the other saying i didn't pay for 2 months straight but i wasn't aware of the situation i call the company and they were able to fix everything and make everything like it never happen and my credit score should go back to its current state would this be possible, i was a 705 went down to a 605, what they told would impact my score to go up again ??

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The credit bureau only reflects what the creditor reports.   If the creditor reflects you as current with no late payments, that is what your report will reflect when they make the adjustment. It could take 30-60 days for this to appear.   Ensure you got that information in writing, otherwise, you only have a persons word that you spoke to and its not binding upon the company itself.   I would presume that the collection itself is not on your credit and that it was an internal collection.  (Meaning the collection agency is owned by the original creditor.  Many medical collections are owned by the doctor/hospital group which they are collecting for.)   As if the creditor was willing to make the adjustment it should means they still own the account. 

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