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Duke0787

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Does paying the original creditor remove collections from report?
If I pay, for example, sprint instead of the collections agency, will the collections be removed from my report? I have finally (after a long year) payed my debt off completely. For the last couple of debts I contacted the original creditor directly and they accepted payment and said they would notify the collections agency. My question is if I pay the original creditor, wouldn't that mean that the debt never went to a collections agency and therefore wouldn't appear on my report after the original creditor notifies the collections agency?

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Yes, the original lender should pull the account back from the collection agency thus removing it from your reports. I would try to get the original company to agree to pull it back from collections in exchange for your payment. It can depend a lot on if the collection is an in-house collection agency or a separate company but you probably would have grounds to dispute the account with the credit bureaus if you've already paid the original company.

Reply by
Duke0787

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Thanks! I was hoping that was the case. 

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