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I need help with my paid colections


paul-rise
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I;v had a credit card(1000 $) about 2 years ago with National City that i couldn't pay anymore,and it went to a collection agentie(asset acceptance).I have setteled with them and i have paid everything but now what can i do about my credit report?

Please tell me how to act about this.I couldn't open a checking account whit Chase becouse of that thing that i have in my credit report.

The thing is that the bank is stil reporting me (1000 $ Transferred to another lender or claim purchased) and the colection agentie is doing the same.What can i do?

Thank You

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If you have proof that you paid them, you need to contact whoever owns the bill...either the bank or if the sold the account, this facility. :cry: You need to get this corrected and have them correct this on your credit report as well. Make sure you get everything in writing. ::rtfm:: Also, if both the bank and the collection agency is reporting the debt, one should be "0" amount. Once you get this straightened out...make sure you get it in writing... you should have them contact the credit bureaus to correct it and be sure that you document every conversation. :boxing: If it is necessary for you to send the information you received from the bank correcting the data to the credit bureau, make sure you send it certified mail; otherwise you will have a fight on your hands proving they received it! :slapface:

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If you have moved in the last few years, you might try to clean up those old addresses on your CR, then dispute the bank's item. Otherwise, make it a point to dispute both every 6 months or so. You may be able to shake one. Problem you have: the bank can report your history. And Asset likely bought it, so they could as well.

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Account Name ASSET ACCEPTANCE LLC

Account # XXXXXXXX

Account Type Unknown - Credit Extension, Review, Or Collection

Balance : none

Date Opened : 6/1/2008

Account Status : Closed

Payment Status Paid, was a collection account, insurance claim or government claim or was terminated for default

Terms : 1 Month

Comments :Account in dispute-reported by subscriber

THIS IS THE CREDIT CARD(1000 $)

Account Name J J MARSHALL & ASSOC

Account # XXXXXXX

Account Type : Collection Department / Agency / Attorney

Date Opened : 1/1/2008

Account Status : Closed

Payment Status: Legally paid in full for less than the full balance

Terms : 1 Month

Comments : Election of remedy - reported by subscriber

AND THIS IS THE DEBIT CARD(160)

Account Name : NATIONAL CITY CARD SER

Account # XXXXXXXXXXX

Account Type Credit Card - Revolving Terms

Date Opened : 6/1/2006

Account Status : Closed

Payment Status : Paid, was a collection account, insurance claim or government claim or was terminated for default

High Balance : $1,522.00

Limit : $1,000.00

Terms : Revolving

Comments : Transferred to another lender or claim purchased

AND THIS IS THE BANK REPORTING ME

Now......i did pay them and i did settel whit them.What can i do next? Who do i write first?What do i write to them? How can i do this?

When i did pay them i ask'd them not to report me after i pay but everything was over the phone. And now this is how my report look like.

If u can tell me the baby steps about my situation i would very thankfull to you.

thank you

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