Apr
20
Can the creditor or collection agency remove a collection account from my credit report? How to convince?
Filed Under Collection Agency | 5 Comments
djz2k asked:
I graduated and began a new job. I went to India for 6 months. While i was away, I recieved a hospital bill. When I returned, I discovered it had been sent to collections. I called the hospital and paid the bill. I moved across the country (east to west coast). I called the collection agency verify that it had been marked as paid. I now have one collection account on my credit report marked as paid. I have been turned down for certain benefits because of this recent collection account being on my credit report. I tried filing a dispute online w/ equifax (the CRA reporting the collection account). Because of my recent changes in address, the online/phone methods fail to verify me, so i cannot order my credit report. Now I am supposed to mail in several pieces of POA to validate my new address. Before i do this, is it possible for the creditor or the collection agency to remove the account from my record? If so, i’d like to try it b/c at least i can talk to someone.
I am only 22 years old w/ little but good credit history. I have one credit card (revolving credit since 2005) that i use frequently and pay off. I have almost no debt. Would the creditor/collection agency consider any combination of the following: