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Question By
brownsfan100

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0 People Helped
Open accounts in collection
I was wondering why some of my accounts that were paid off still showing up as accounts in collection?

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Top Contributor
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Most Helpful Response

Get a copy of your Credit report

Helpful to 27 out of 28 people

And check.  if they are,  write to the CRA and ask for them to be removed.

Find templates for this type of letter on line for free. 

Reply by
Eden02

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EddyTX! I am in DESPERATE need of your advice! Will you *please* contact me directly?! I would be highly indebted to you (no pun intended)!

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15 People Helped

Credit Karma has errors

Helpful to 15 out of 18 people

It shows I have accounts in collections and I don't.  Credit Karma claims they only report what the Credit Bureaus report to them.  Yet none of my 3 Credit Reports shows the accounts in collections.

Further CK shows my credits score at 741.  Yet my Credit Reports scores puts me in the 800s. 

Good thing this service is free.  Because I am getting disappointed in its accuracy.

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Helpful to 12 out of 14 people

If they were in collections when you paid them off, then they will continue to report as closed, paid collection accounts for 7 & 1/2 years from the date you paid it off.  If they never should have gone to collection status, follow EddyTX's advice and dispute them.

Reply by
DIMPLESNY911

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1 Person Helped
Helpful to 1 out of 2 people

i have 521 and do u have to pay to dispute thingsn like maGAZINES THAT R NOT YOURS SOMEONE USED MY DARN NAME MY X DID TY SO MUCH TY

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10 People Helped

Helpful to 10 out of 11 people

I agree with Addison170

Never pay off bills that have gone into collections without a understanding either with the collection agency or the original debtor that they will be deleted upon payment. Without that in writing the collections will stay on your credit report even after you pay them. You could call the collection agency or original debtor and ask them to remove it since it has been payed but you are really at their mercy now. 

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LEXINGTON LAW

Helpful to 6 out of 7 people

BROWNSFAN100- if your score has been effected due to these i recommend Lexington Law- There were judgements on my file and they got them REMOVED from all three bureaus. They are amazing and continuolsy worked on my credit

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i want to see my credit report

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i want to see my credit report

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Copy of Credit Report

Helpful to 1 out of 1 people

How I obtain a copy of my credit report

Reply by
im2fly

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Helpful to 5 out of 5 people

TequilaMWalters- to obtain free accurate copies of your credit report go to annualcreditreport.com this is a free site where you can get your yearly report for All three bureaus- Make sure you save your reports to a file because you only have 30 days to view information- you can also dispute information

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