Don't know who to pay for collection account

**TerpDX** · 08-25-2011, 02:47 PM

Hi, this is my first post here, but I'm hoping someone can help me out.

I'm in the process of trying to improve my horrendous credit (<620) after a period of employment and resulting overdue bills. One of my bills was sent to a collection agency who reported it to the credit agencies, so I want to pay that one off now.

However, when I contacted the collection agency, they showed my balance as $0. So I called the original vendor, and they also show $0. I know I haven't paid the bill, but I just pulled my Experian report last week and it shows as "In collection" on the report.

Where do I go from here?

**Magic69** · 08-25-2011, 06:14 PM

I'd get that in writing from both companies and then request the collection cease being reported to the credit bureaus. If they both show $0 balance, how could it be an outstanding collection?

Sounds like neither the collection agency or original creditor is expecting additional money from you.

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