Posts Tagged ‘ collection ’

“Overdraft/reserved checking account” is a collection account

Dear Experian, I work in my company’s Human Resources department, and our consumer reporting agency uses Experian to obtain credit reports. We have recently seen the term "Overdraft/Reserve Checking Account" on credit reports and are not familiar with what that means. Our consumer reporting agency told us to contact you. We only see it when the account is not in good standing. - EGR

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Eviction will remain on your report after paying collection or judgment

Dear Experian, I have an eviction on my credit that I'm about to pay. What will it say on my credit report? When I go get another apartment will that appear? - AYV

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Collecting debts after they are deleted from the credit report

Dear Experian, After seven years, if a payment has not been made on a student loan can the creditor or collection agent still try to collect payment on the loan? - QUA

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Medical collection accounts are treated like any other collection account

Dear Experian, My credit report is clean except for past due medical bills. I would like to know if having medical bills past due is going to prevent me from having a good credit score and good credit. I have always been told not to worry about paying any medical issues on my credit report. Is that true? - YGR

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Paid collection accounts not removed from credit report immediately

Dear Experian, If I pay the bills that were sent to collection will they come off? How do you get them off? I’m trying to get a home in the next few months and my credit score is low. - AMH

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Unpaid hospital bills can affect your credit

Dear Experian, Do unpaid, uninsured hospital bills affect your credit? - SSI

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Paying collection accounts in full can help, but might not improve credit scores

Dear Experian, In the long run, will my credit be more positively affected if I pay off collection agency debt in full as opposed to accepting and paying a settlement amount? - ATO

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