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  1. #1

    Default Collections Posted to Credit Report One Month After Paying Full Balance

    My question involves collection proceedings in the State of: Washington

    In late summer of last year, I was heading to a wedding in a rental car in another state and received a speeding ticket. When I turned the car back in, I left the ticket in the glove box. My mistake, it was a bonehead move. I forgot about the ticket, and received a collections notice in the mail in December. I checked my credit, and there was no collections claim posted on my credit. I paid the fee immediately after I found out about it, and after receiving confirmation of the payment, I went on living life. The payment was received on December 27, 2012.

    On Friday January 25, a collections claim was posted on my credit report, showing a paid in full claim. This is really bad timing as I am in the process of negotiating a home loan, and my credit score has since dropped from 780 to 660. I can no longer qualify for the loan because of this collections notice. I am mortified and pissed off. In ten years of managing payments, I have never had one negative mark.

    I have heard of people who were able to negotiate the removal of collections from their credit reports by requesting it in exchange for full payment of the amount in collections. Seeing as this information was posted ONE MONTH after I paid in full, this is no longer an option for me and I no longer have this sort of leverage. I can't bear the thought of a $200 claim costing my multiples of this in interest over the next several years. Does anyone have experience removing claims such as this in situations such as this? Has there been any violation of credit reporting practices here? Any help would be greatly appreciated.

  2. #2
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default Re: Collections Posted to Credit Report One Month After Paying Full Balance

    To be clear, your complaint here is not that the report is inaccurate, but it is that they made an accurate report of the delinquency and payoff after you paid off the fine? That's not improper.

  3. #3
    Join Date
    Nov 2006
    Posts
    368

    Default Re: Collections Posted to Credit Report One Month After Paying Full Balance

    You can call the company that initiated the credit report and ask them to have it removed. Explain to them what happened, and sense it has already been paid, they may do this. Most places will do it just once. The credit Bureau cannot take it off as they are just the agency that keeps and disseminates the credit records. You need to contact the person (maybe court?) that placed the notice on your report. The credit bureau can tell you the agency that generated it. Contact them. Be very nice about it and explain how it is affecting you. Whatever you do, don't demand or get angry. These people deal with angry people on a daily basis and that would just make them not want to help. Good luck.

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