Hopeful1 Posted February 9, 2012 Report Share Posted February 9, 2012 So sorry if this has already been asked elsewhere. I didn't find what I was looking for no matter how I modified my search. Anyway, I was looking at my cr from a few months ago when I noticed a notation on a paid collection that says "account legally paid in full" as well as "closed-account in dispute-reported by subscriber Account information disputed by consumer". This was on a report I got with a trial of creditinform but I am about to pull my first freebies for this year from the big 3. Anyway, my questions are: Is the notation as "legally paid in full" a positive, negative or neutral? I never disputed the account. Should I attempt to remove that or does that make a bigger problem? Lastly, I am hoping to get this off of my cr. It was paid in 3/2009. Maybe a goodwill would work at this point,but I'd love to hear other ideas. Thanks in advance. Link to comment Share on other sites More sharing options...
BV80 Posted February 9, 2012 Report Share Posted February 9, 2012 So sorry if this has already been asked elsewhere. I didn't find what I was looking for no matter how I modified my search. Anyway, I was looking at my cr from a few months ago when I noticed a notation on a paid collection that says "account legally paid in full" as well as "closed-account in dispute-reported by subscriber Account information disputed by consumer". This was on a report I got with a trial of creditinform but I am about to pull my first freebies for this year from the big 3. Anyway, my questions are: Is the notation as "legally paid in full" a positive, negative or neutral? I never disputed the account. Should I attempt to remove that or does that make a bigger problem? Lastly, I am hoping to get this off of my cr. It was paid in 3/2009. Maybe a goodwill would work at this point,but I'd love to hear other ideas. Thanks in advance.The "paid in full" notation really doesn't affect anything. However, a future creditor viewing your report may look upon that as a good thing because you didn't simply ignore the debt.You could try a good will letter, but don't get your hopes up. If the original creditor has an entry, check the date of 1st delinquency. The original creditor's entry and the collection agency's entry will both fall off 7.5 years after that date. Link to comment Share on other sites More sharing options...
Hopeful1 Posted February 9, 2012 Author Report Share Posted February 9, 2012 BV80, thanks for your response. I appreciate your input. I noticed that there is no entry from the oc, just the ca. (This was from an outstanding balance and fees on an apartment lease break we had to do and original creditor was unwilling to work with us.) It has date open 1/09 and balance date 6/09. The "balance date" although I'm not sure I understand the term, seems incorrect since it was paid in March of that year. I know the dofd to the oc should have been either 9/08 or 10/08 and seems to me like we got that Dunning letter in Jan 09. Just wondering if these would be worth disputing to possibly show reaging or just incorrect info. I'll be pulling my new ones probably today and will go over those before acting. If I only knew then what I am learning now... Link to comment Share on other sites More sharing options...
BV80 Posted February 9, 2012 Report Share Posted February 9, 2012 BV80, thanks for your response. I appreciate your input. I noticed that there is no entry from the oc, just the ca. (This was from an outstanding balance and fees on an apartment lease break we had to do and original creditor was unwilling to work with us.) It has date open 1/09 and balance date 6/09. The "balance date" although I'm not sure I understand the term, seems incorrect since it was paid in March of that year. I know the dofd to the oc should have been either 9/08 or 10/08 and seems to me like we got that Dunning letter in Jan 09. Just wondering if these would be worth disputing to possibly show reaging or just incorrect info. I'll be pulling my new ones probably today and will go over those before acting. If I only knew then what I am learning now...The CA's opened date is probably when the CA was hired by the OC to collect. They should be showing a date of first delinquency (DOFD). If it were me, I'd dispute the lack of a DOFD and the balance date since it was paid off several months earlier.If it comes back verifed, I'd send a letter by certified mail return receipt requested (CMRRR) to the CA explaining their error. Give them a chance to correct it. If you choose, you could include a copy of the receipt showing when you paid. Hopefully you have the receipt. If they don't cooperate, you could send a copy of the receipt to the CRAs, etc. It depends on what you're willing to do. I don't think the wrong balance date would really affect you in any way, but it's still incorrect reporting, and it makes it appear you took longer than you should have to pay the debt. Link to comment Share on other sites More sharing options...
Hopeful1 Posted February 23, 2012 Author Report Share Posted February 23, 2012 Thank You! Link to comment Share on other sites More sharing options...
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