Timeline for Will I see a collection on my credit report if I paid the bill in full?
Current License: CC BY-SA 3.0
6 events
| when toggle format | what | by | license | comment | |
|---|---|---|---|---|---|
| Aug 4, 2014 at 13:15 | comment | added | Craig | Thanks Anaksunaman. The associate I spoke with said that it hadn't been reported to the credit bureaus as yet and as long as the debt was cleared, it wouldn't. I monitored my credit reports and so far there have been no mentions of that debt. Hopefully it stays that way:) | |
| Aug 4, 2014 at 13:13 | vote | accept | Craig | ||
| Jul 20, 2014 at 12:48 | comment | added | Anaksunaman | I would likely argues that this really depends on the collection agency and when (and IF) it was reported. If the debt was over 7 years old, it may have fallen off your report already. If it was really active till only a few months ago (and thus just became delinquent), it very much depends on when the account became delinquent, when the debt was sold and to whom, and if anyone (debtor or collection agency) reported it to any one credit agency. Experian, Transunion and Equifax are the largest three credit reporting agencies in the US, but they don't all share the same data. | |
| Jul 18, 2014 at 11:22 | comment | added | Craig | The account is 7 years old and was still active till a few months ago when my friend who was supposedly in charge of it had a moment of revelation and took off to Australia for a year of self-discovery. It seems the company tried contacting him and his phone was (of course not reachable). After a few months of non-payment, they sent it to collections. | |
| Jul 17, 2014 at 14:12 | comment | added | ChrisInEdmonton | Note that you have a legal agreement for it not to show up, but unless you can prove this (i.e. unless you have a recording of the telephone call), you won't be able to do anything if it does show up. | |
| Jul 17, 2014 at 13:54 | history | answered | Alex B | CC BY-SA 3.0 |