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I don't know if anyone on here has any info that might help me out here.
I paid a cable bill late last year after we canceled our cable account. Actually what happened was that we moved to England, canceled our cable, and I didn't know we still owed the cable company anything. I wasn't getting our mail in the UK and thus the account went to collections. When we returned to the US, I went through our old mail, called the cable company immediately, and paid over the phone the full balance. Little did we know it was sent to a collection agency.
Fast forward 5 months. We checked DH's credit this week and BAM there it is, collection agency. Some cr bureaus say it's paid some say it isn't. I talked to the collection agency and the cable company today. They both told me that "this collection agency" doesn't remove accounts from credit reports- ever. I was told to wait 7-10 years and then it will fall off. And that our credit rating will improve since they'll report it paid in full... even tho I never paid them a dime. I paid Comcast directly.
Is there some law out there protecting consumers against negative actions listed on the credit report when accounts have been paid in full? Am I really stuck for 7-10 years over a bill I paid in full?
I paid a cable bill late last year after we canceled our cable account. Actually what happened was that we moved to England, canceled our cable, and I didn't know we still owed the cable company anything. I wasn't getting our mail in the UK and thus the account went to collections. When we returned to the US, I went through our old mail, called the cable company immediately, and paid over the phone the full balance. Little did we know it was sent to a collection agency.
Fast forward 5 months. We checked DH's credit this week and BAM there it is, collection agency. Some cr bureaus say it's paid some say it isn't. I talked to the collection agency and the cable company today. They both told me that "this collection agency" doesn't remove accounts from credit reports- ever. I was told to wait 7-10 years and then it will fall off. And that our credit rating will improve since they'll report it paid in full... even tho I never paid them a dime. I paid Comcast directly.
Is there some law out there protecting consumers against negative actions listed on the credit report when accounts have been paid in full? Am I really stuck for 7-10 years over a bill I paid in full?
Cat mommy since 2002 
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