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Posted in Paying Your Bills
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creditnewbie23

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Is the collection on my profile or not?
In the collections section, there is a collection in the amount of $290 listed as open. It says it opened Dec 2014. But when I click on closed collections, there is a collection in the amount of $290 listed there and it says it was removed May 17th 2015. Is this the same collection? Why is it in both places? And does it really matter if I pay it off, considering that collections stay on for seven years? Thanks.

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You need to get your credit report directly from all three credit bureaus and see if the collection is on them or not and how it is showing. If you find that it is on there, check it for inaccurate information and if you find any, dispute it with the credit bureau. If you do not find any inaccurate information to dispute, then contact the collection company and offer them a pay for delete (you pay the account and they remove it from your reports).

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