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galactic129 | Is it possible to reverse the process when a creditor/company forwards an account to a collections agency? |
...meaning that the collections agency would give the account back to the creditor/company that one has an account with.
If so, how?
If not, how can one protect his/her credit history in this situation? |
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kja63
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Just a stab in the dark here, but how about paying your bills? |
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Flower Girl
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Not likely. You had your chance to protest BEFORE the bill went to collections! |
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Steveo
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Maybe. Call the company you owe and see. The collection company makes it's money by collecting from you. If the original creditor is paid off, then maybe they can call of the dogs. Otherwise, you need to pay.
Unfortunately, it's too late on your credit history, as it will show that your bill has gone to collection. Your credit history also shows when you have gone beyond 30,60, and 90 days late, and how often. |
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CanadianBlondie
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Pay the bill. |
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babidollishere
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Why do you need it reversed? Cause you don't want your credit report to show a collection agency trying to collect a bad debt? Just pay the collection agency and it will show the debt has been paid. But regardless, it will still be on your credit report. The collection agency may be able to remove the "black mark" provided the company that turned it in has it removed, but I doubt they will do it. You should have tried to work with them before it went that far. The collection agency gives you 30 days for a rebuttal. |
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William
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Well this happens sometimes when you have a bill that you are in disagreement with. It is very difficult to get for example a Doctor's office who automatically writes off bills after 120 days to deal with you. They have pushed it forward to the collection agency who generally takes a percentage of what they collect and gives the rest back. If the amount is small and you do owe it, go ahead and pay the collection agency, it will go off your credit report when it is paid. If it is large or still in dispute, then call the original creditor and tell them what you would like to do. |
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rayco420
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The best way to have the account reversed is to PAY it. |
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Carolinahomerates.com
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the only way is by paying it and negotiating with the original creditor. most times the creditor doesnt want to deal with the borrower after they sold it to a collections agency. |
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Mrs. M
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no, once it goes to a collection agency, they own it. they sell it to the collections agency because payment wasn't given in their company |
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