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How do I Pay Original Creditor (utility) and stop the Collection Agency from Reporting to Credit Bureaus?


ReachingFor850
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I have a 3-year old Electric bill that is with a Collections Agency. The original creditor will accept payment directly from me (in full and that's OK with me).  However, how do I make sure that the Collection Agency will stop reporting the delinquency and not merely report it as "paid?"  I don't want any CAs appearing on my credit report.

The electric company is not exactly a business that will simply negotiate or write me a promise to stop reporting or anything like that.  But I want to do more than just pay the bill and hope for the best.  Suggestions?

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59 minutes ago, ReachingFor850 said:

I have a 3-year old Electric bill that is with a Collections Agency. The original creditor will accept payment directly from me (in full and that's OK with me).  However, how do I make sure that the Collection Agency will stop reporting the delinquency and not merely report it as "paid?"  I don't want any CAs appearing on my credit report.

The electric company is not exactly a business that will simply negotiate or write me a promise to stop reporting or anything like that.  But I want to do more than just pay the bill and hope for the best.  Suggestions?

See if the OC will recall the account from the collection agency before you pay. 

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