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Question By
justshawnta

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Should item be deleted if debt paid to original creditor instead of collection agency.

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No, since the debt was sold by the original creditor to the collection agency.  The collection agency had the right to report that account to their credit bureau.  It is slightly possible that the original creditor will notify the collection agency of the payoff and the agency might delete the account.  No guarantees there.  The payoff is the important note that will be on your credit report.

Reply by
justshawnta

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Thank you for your feedback.  The rep at Gold's Gym did say that the item would be removed, but that they would communicate with the agency with an update.  I made sure correspondence was via email with Gold's.  I'm just hoping that Gold's honors their end since it is technically the collection agency that added the item.

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If you have paid the debt to the original creditor with proof, then you can also dispute the information on your credit report with the credit reporting agency. There are many samples of letters for that. It will be removed. 

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Yes.

Yes it CAN be removed. I paid a couple off to original creditor and disputed the collection account reports online and provided documentation showing payment to original creditor. Did it with all three bureaus and the collection items were all removed within two weeks.

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