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monkeybear87

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I paid the original creditor, what now?
I had a debt with a utility company, and it went to a collection agency. regardless of my efforts, they wouldn't work with me on deleting it once it was paid (I was very willing to pay the full amount). I gave up and called the utility company, and they were still willing to take my payment, which they did, about a month ago. My credit score has somehow gone DOWN. My utilization was down, and I couldn't understand what happened. I then realized the debt collection company re-reported the debt. My credit karma account updated today, and they have it reported as $0 balance, but I don't want it on my credit report period. I also have a $0 deb with another company. How do I negotiate a deletion? I tried sending a letter to the other one attempting to agree to pay, but I never even got a response. What do I do?

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