Debt paid, but credit report says otherwise. What to do?

Date: Fri, 09/14/2007 - 09:59

Submitted by anonymous
on Fri, 09/14/2007 - 09:59

Posts: 202330 Credits: [Donate]

Total Replies: 3

I checked my credit reports last month, and I found that one account showed up as in collection with Palisades Collections. It was from a Verizon charge that I paid in 2003. I have the cleared check to prove that I paid the debt. Should I approach Palisades or should I dispute the issue with the credit reporting agencies? If Palisades, how do I approach them since I have seen no prior evidence of this debt? I thought I had taken care of everything!

You can call both the places and request your credit file to be

You can call both the places and request your credit file to be updated. Whom did you write the checks to? If you have sent the checks to Palisades and they have not posted it towards your account, they should do it now and update your file with the bureaus.

lrhall41

Submitted by a_neblat on Fri, 09/14/2007 - 10:15

( Posts: 407 | Credits: )

Dispute this information on your credit report. That way they a

Dispute this information on your credit report. That way they are legally suppose to investigate this. You have proof that you paid the debt off and therefore it should be noted correctly.

ladybug

lrhall41

Submitted by ladybug on Sat, 09/15/2007 - 14:26

( Posts: 2753 | Credits: )

Call whomever you paid and ask for the zero balance letter. Go t

Call whomever you paid and ask for the zero balance letter. Go to your bank and ask for a copy of the check or a letter saying that the check cleared your bank if the company requires proof.

This is an easy fix for you.

lrhall41

Submitted by FYI on Sat, 09/15/2007 - 16:56

( Posts: 1950 | Credits: )