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Paid Orchard..now What?


simplysilky
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I paid Orchard for a secured CC that was in collections totalling $236 and I also have a letter stating such from them, so I can take to my loan officer to prove it was paid.

Just in case Orchard does not report this paid debt to the credit bureaus, can't I just dispute as "paid"? I knkow my scores will probably not go anywhere but just wondering...

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Act carefully when disputing paid collection items. I (anxious to have a credit card reported as "120 days late" show that I had paid the card off) disputed an account as paid to get the CRAs to update their info. The credit card reported to each CRA that the account was a paid collection. Be careful what you ask for...

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