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Old 06-16-2009, 01:10 PM
113 posts, read 669,592 times
Reputation: 42


I recently moved and forgot about a utility bill for electric. Apparently they were sending letters to my old address. Found out about it because they sent it to collections and saw it on my credit report.

I contacted them in writing with my new address and got a statement showing what I owe. Paid and took care of it. However, the collection agency refuses to remove it from my report.

Does it matter that they were sending the bills to the old/wrong address?
Additionally I had asked them if they would settle the debt for a few $$ off. They declined ( of course) citing that they cannot because it was a utility company.

What, if any, are my recourses here to get this off my report? It is marked as paid, but still a negative.

2.) For some reason, my personal credit card with Capital One doesnt appear on my report. Any idea why? No details, nothing. It use to be on there.

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Old 10-01-2016, 05:09 PM
103,031 posts, read 104,608,610 times
Reputation: 76946
The reporting agency does not remove anything you might have paid. That is up to who ever you paid and had the issue with to do . They have to have it removed. But that does not mean they will.

There are 3 main reporting agency's and not all lenders report to all of them.

We found a fraudulant charge on only one of the 3. The rest did not have that lender as part of their group
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