Credt History is not showing as a debt cancellation?
966973
If you have proof that it was cancelled, hold on to it.  You will need this if it comes up when you go to buy a home.  \n\nContact the company you had the debt with and tell them you want this on your credit report.
73809
You may or may not have a credit report.  Any buying with debt will show as credit; you can attemopt a free report here:\nhttps://www.annualcreditreport.com/cra/index\nor look around this site for answers
542555
Here is how the game is played....\n\nIf you pay off your debt, you still have to deal with that negative report on your credit.\n\nPlacing "paid" on it does NOT remove  negative information such as late fees or that it went to collections.  Those who tell you otherwise are lying or ignorant.  I've counsoled many, many people who made the mistake of paying off debts, hopeing to get their credit improved, only to see it barely helped at all.\n\nThe ONLY person who can edit/delete credit information is the creditor to placed that information there.  And it's very unlikely you will get their cooperation once you have paid the debt.\n\nTherefore, before you pay them a dime, get IN WRITING that they will remove all negative information from your credit report.  Don't pay them a dime unless they do!\n\nRemember, you are trying to fix your score.  Why pay them if it's not going to help you out?  \n\nUse the sample letters below and write a negotiation letter.
545320
Contact the trustee and find out if they will allow you to pay off your "plan" early.  \n\nYou don't want your BK dismissed, that will allow all of your creditors (including unsecured ones) to come after you.
1183847
Lets get some facts straight.\n\nCredit reporting agencies report what creditors tell them to report.  They can add/delete/edit the reports at any time.\n\nOnce you have a delinquency, a negative report is placed on your credit report.  \n\nWhen you pay off this debt, the creditor must show that the debt is "paid".  However, it will still reflect that you had a delinquency and it still is a negative report.  Therefore, paying off your debt does NOTHING to fix your credit.  \n\nHowever, the creditor can request that the report be deleted, or they can edit the report to show that it's "paid as agreed", which removes all negative information.  The problem is getting them to do it.  And once they have your money, you have no leverage to get them to do it.\n\nMany creditors will tell you they can't do it.  They are lying, and I can show you where in the law they can do it.  What they are actually telling you is "You screwed us...so now we are going to screw you!".\n\nWhat you need to do is get an agreement IN WRITING that once your debt is paid, the creditor agrees to remove all negative information from your credit report.\n\nIf you don't, you will end up broke plus you will still have bad credit.  You have accomplished nothing.
349906
You can send the CRA's a letter requesting that they add the loan to your report.  Give them as much info about the loan, and they will verify it with the lender.\n\nCreditors are NOT required to list credit histories with the credit reporting agencies.  Many of them do not even have access to send them that information.
1052184
The last advice given is very incorrect. If you pay off the total amount the account will appear as paid in full and closed but if you on pay the setlement amount it will show as a collections account paid and lenders know this is a settlement.\n\nHere is some information that I wrote on an article about this issue. Hope it helps\n\n"How long will collection or other derogatory information stay on your credit report?"\n\nCredit information can and usually stays on a person’s credit report for 7 years. You can use the information below as a reference to guide yourself and figure out how long derogatory information stays on your credit report\n\nGeneral credit information: 7yrs\nCollections: 7yrs from date of last activity\nBankruptcy: 10 yrs\nForeclosure: 12 yrs from the date filed\nGarnishment: 12 yrs from the date or entry or 7 yrs from the date satisfied\nJudgment: 12 yrs from the date or entry or 7 yrs from the date satisfied\nTax lien: 12 yrs from the date or entry or 7 yrs from the date satisfied\nDismissed garnishments, judgments, and tax liens: not reportable\n\nNow that you have this information I’ll give you an example similar to a client. The agent he had worked with before gave him the wrong advice.\n\nLets assume that you had a collection for $1,000 filed against you in December 1998 and you haven’t paid it. It’s now November 2005, so in a few weeks that collection can come off your credit report. (You will probably have to request all three credit bureaus to take it off your credit report). However, you just applied for a loan today and the loan officer tells you that you need to payoff that debt in order to be approved. Since you have the money to pay it off, you do so. Because the date of last activity is now November 2005, the collection will show on your report until November 2012 – another additional 7 years.\n\nNow let assume that this collection was in June 2005 and you pay it off in November 2005 to obtain the loan, this will reduce your credit score. On the other hand if this collection was in September 2005 and you pay it off in November 2005 to obtain the loan, this will actually increase your score. My point is that a collection account that is less than 6 months old and is paid off will be beneficial but if your collection account is more than 6 months old and is paid off this will be detrimental to your credit score.\n\nYou as a consumer can request copies of your credit report from the 3 credit bureaus (although it’s better to get a collective report from all three in one which I can help you with) and dispute information that is incorrect. Incorrect information can be corrected or removed but correct information (good or bad) usually stays on the report for the period allowed. Only the credit grantor (lender/bank) or credit bureau can remove correct information.\n\nIf you find incorrect information on your report, contact the credit grantor obtain an explanation, have them corrected and ask them to contact all three credit bureaus and correct that information on your report. After this you should also contact all three credit with a letter with documented proof of the error on your report and ask them to remove this information. The credit bureaus by law have to respond to your letter and request. Depending on your case they might approve or deny your request but they have to respond to your letter. Following are the addresses for all three credit bureaus.\n\nTrans Union\nPO Box 4000\nChester, PA 19022\n866-887-2673\nhttp://www.transunion.com/\n\nExperian\nPO Box 2002\nAllen, TX 75013\n888-397-3742\nhttp://www.experian.com/\n\nEquifax Credit\nPO Box 740241\nAtlanta, GA 30374\n800-685-1111\nhttp://www.equifax.com/
949223
Paying off the card will not clear the negative data from your credit. It will change to show 'paid off' but the missed monthly payments and collection activity will remain reflected on the report and affect your overall credit score. Unless...you are able to make a deal with the card company for a full immediate payoff if they agree to ask the info be removed from your credit report (and get it in writing first). If you need something immediately, it makes no difference anyway. Even if you can make a deal with the card company, it will be 3-6 months before your report is cleared. Myabe you take the high interest loan now and re-finance later?
637759
If the original creditor has no proof of you having a debt they should contact the collection agency to clear this up themselves.There is also a form you can get from the credit bureau to dispute this debt. If you get a letter back from the original creditor send a copy along with the form.But more than likely you won't hear back from them. Most places don't contact you back to say they cleared up the problem. Stay on top of it.It will take awhile they don't do things to fast when it comes to clearing up mistakes, but they can report thing real fast.Check back on your credit report to see if they cleared this up.You can get free credit checks if you are having trouble with creditors.
42623
Yes - order a copy of your credit report from all three credit reporting agencies (Experian, Transunion and Equifax).  When you receive your credit report, there is a dispute/resolution form inside.  Just fill it out, mail it back and they will remove the derogetory account from you report.  Make sure you go through your entire credit report though, there might be other things on there that need to be resolved as well.\n\nGood Luck!
1115849
If you've not acutally paid the debt or had it discharged through a bankruptcy order, then it might be possible for it to continue to reappear if the account has been sold.  To get the final answer on the matter, contact the credit bureau (Trans America, Experian or Equifax) that's showing the debt and dispute it.   When you dispute something on your credit report, the bureau showing the charge must contact the company that reported it and obtain supporting information.  The credit bureau will then give you information based on the applicable law to indicate whether the charge continues to be valid or if it should be removed.  If it should be removed, then they will do so.  If not, you'll have to actually clear it before it drops off.  The websites for the credit bureaus are www.experian.com, www.equifax.com and www.transamerica.com.
105812
after about seven years assuming you have cleared your debt.  However, if you are nearing the 7 year mark and it is yet unpaid, it is in some cases actually better to not pay it and let it disappear, otherwise you pay off the debt but have to wait another 7 years before it clears from your credit history statement. Nothing like waiting 6 years and paying something off and having another 7 years on your credit history saying it's paid but paid way late.
481860
It sounds like they are bumping your reporting dates.  The law says the reports can only be on your history for 7 years, beginning the date of default.\n\nIf you have anything to show this, send the credit reporting agency a letter to protest it and have the listing corrected or removed.\n\nAlso send a letter to the creditor demanding that the "Validate" the debt.  That means that they must supply you with contracts, bills, recepts, and everything that was used to calculate what they claim you owe.  If they can't produce this information, the listing must come off.  Otherwise you can sue them for violation of the Fair Credit Reporting Act.\n\nRead the link below, along with a sample letter.\n\nAs for your student loan, it's not likely you can fight it, especially if it's a government backed loan.  It will drop off after 7 years.
249523
This is a classic example of how collection companyes screw you!\n\nEven after you have paid off the debt, they continue to post your histor on your credit report.\n\nNext time, send them a letter telling them that IF you pay off the debt, they MUST remove any negative history.  \n\nNow look where you are?  Broke and bad credit.  \n\nYour first job is to contact all of the creditors and credit bureau and demand that the status of all those loans say "paid in full".  Have the credit reporting agencies place a letter in your file explaining what happened.  You are allowed a short message.  \n\nGo through the links I've supplied and see if it helps.  \n\nGood luck.
748305
I hope that in your divorce this issue was addressed.\n\nIf there are still amounts owing on the joint debts, they will stay on your report until they are paid off.  And as long as your name is on the debt, you credit will reflect the payments & history.\n\nThere is no way to remove the joint debt reporting, this will be a part of your credit history for at least 7 years.   If the debts have been paid off and the accounts closed, then you can submit a paper explaining why accounts were late (if they were) etc. \n\nGood luck & congrats on your new life.
839375
What seems to be happening here is,the company you had the actual debt with has not closed the account and it has therefore gained small interest,these files are then sent in bulk for a collection agency to sort out,the amount which has been paid still remains as unpaid when sent to the collection agency,so what you need to do is make contact with the persons,company or who ever the debt originated from and in turn they should inform the collections company,the fact that you say you continue to get them off different companys also backs this,has what is also happening one you explain the situation to one collection company and they then send it back to the originator who then sends it to another collection company,this is because the left arm hasnt got a clue what the right arm is doing and in any case dont worry about it,if seven years have passed you can tell them to take a run and jump
1047438
What you need to do is dispute these reports with the credit bureau.  What they are doing is illegal and if these reports are not removed, you can sue them in small claims court for $1000 for each entry!  <cha-ching$$$>\n\nBut you need to do it right!  So follow these instructions.\n\nSend a dispute letter to the credit bureau listing these entries and point out these are duplicate entries. \n\nThe Bureau will then contact each of the creditors and "verify" that the debts are valid.  If they get no response the report is deleted.  If they respond back and verify the debt, the report stays on your history.\n\nAt the same time, send a "demand to validate" letter to the creditors who are listing these entries.  Demand that they send you copies of contracts, bills, receipts, and anything that was used to calculate what they claim you owe them.  They have 30 days to respond.\n\nIf they do not send this, send another letter to the credit bureau and demand the listing be removed due to "lack of validation".  \n\nMake sure you send all of these letter by certified mail to prove you contacted them.  \n\nIf the listings are still there, file a lawsuit in small claims court.  It's easy and doesn't cost that much.  \n\nI had to do the same thing to get an inaccurate listing removed from my record, and won $1200 for my troubles.  Don't let them push you around!