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jiniowa

Hello,

I had a collection from Palisades that must have then been sent to Unifund. I paid the balance in full about 18 months ago. Unifund is nowhere on my CR but Palisades is still showing up with a balance. Is it as simple as clling them to have the balance removed or is it stuck on my report?

Thanks.

Posted: Mon Sep 25, 2006 5:21 am Subject:

Dispute this with the credit bureaus, it will get removed.

Posted: Mon Sep 25, 2006 9:44 am Subject:

jiniowa, do you have proof on your account being paid off? If yes, dispute with the credit bureau as well as with the collection agency. They must update your file with correct information.

jiniowa · Posted: Mon Sep 25, 2006 11:04 am Subject:

Thanks for the help. Yes, I have a copy of the check and a letter from the law firm that Unifund used to contact us stating that the debt was paid in full plus interest.

I called Palisades today and they said they would take care of it. He did not sound too convincing but he did say that it would be taken care of in 30 days at the latest.

Would it be a good idea to dispute with the CBs anyway, just as back up?

Posted: Mon Sep 25, 2006 4:34 pm Subject:

Yes, you can dispute the item with the credit bureau also. Wrong information has been posted in your credit report and it is necessary that it gets corrected at the earliest possible time. Once you place the dispute with the credit bureau, they will begin their own method of investigation with the collection agency.

Posted: Tue Sep 26, 2006 5:38 am Subject:

You need to dispute via mail with the credit agencies, mail them a copy of your letter and that should clear it up.

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