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Bluedog777

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Failure to pay reported even though we paid
My husband had an account in collections that was marked "Failure to pay" for about 4 months even though we had been making the payment. We were able to get a personal loan to pay off that collection and the account is now closed but I'm wondering if there is anything we can do to remove the "Failure to Pay" from the report since we did actually pay? The lender told us it would be removed as soon as we paid the account in full. Unfortunately, my husband didn't get this writing so we have nothing to fall back on. Is this disputable through the 3 credit reporting agencies? We are trying to buy a house and this is holding us up. Thank you for your time.

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Top Contributor
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Bill collectors will say anything

but they are lousey at taking notes.  

You can file a personal statement on your Credit Report with the credit reporting agencies. But other than that. I'm not sure that there is much you can do. The statement wouldn't effect your score. But it would be the first thing they see when they look at your report and offer you an oppurtunity to explain the broken promises of the creditor. 

Good Luck 

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