Collections Paid Collections Laws

----- Original Message -----
From: REAL PERSON
To:
Sent: Friday, November 12, 2004 8:27 AM
Subject: Paid Collections
Bo, impressed with your website. My experience over
the years is if you paid off your collections in full,
you could get the collection agency to delete their
entry from your credit report with a request.
Exception: ATT who sent the bill to collections but it
was paid in full (payment directly to ATT), refuse to
delete the wording "Collection" off the credit report
comment box. I told them you received all of your
money and it serves no benefit to ATT or me to have
the collection word on the credit report. Collection
agency said they are out of loop since ATT directly
received check. I talked to the ATT higher ups etc.
and they said it is the law that they have to report
it that way. Is that true? Also do you think if I
continuously dispute, ATT will give in? Any
suggestions?

Thanks Real PERSON
_____________
it is not a LAW
it is a company policy
there are no LAWS about removing credit report entries......
these are all privately owned bureaus who keep records of how you pay...
SO
it is not a LAW
But
They can make company policy and label it a law to ease the burden of explanation from the clerks of the company.
ATT sounds like they wish to smoke you.
you made a mistake by not making an agreement prior to your payment that the entry be removed.
they may not have done it.
but i would not pay a collection if the company refuses to remove the entry
after all
what good will it do you to pay
your score is still the same
so i would not pay on collections unless i get gauranteed relief
of course i would never let someone collect on me in the first place
i sign up
i pay
I'm Bo Majors
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