Hollywood, FL asked in Collections and Real Estate Law for Florida

Q: How do I remove a "paid" collection account from my credit reports? I need removed to purchase a home!

How do I remove a "paid" collection account from my credit reports? I need removed to purchase a home! I have reached out to the credit companies and they refer me back to the company that placed this on my report. I've reached out to Comcast who placed this as "paid" on my credit report and they claim they can't remove it. I even tried a deletion letter but I have a $0 balance paid since November 2016. When I ask my lender why is a paid item on my report a negative thing when purchasing a home, I am not getting an answer however I can't seem to remove and it appears to stay on my report until the year 2022. I am in desperate need to remove this from 2 of my credit reports to increase my credit score to get a grant to purchase a home. Please advise and thank you in advance for your assistance

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2 Lawyer Answers
James Turner
James Turner
Answered
  • Collections Lawyer
  • Orlando, FL
  • Licensed in Florida

A: This situation is covered by the Fair Credit Reporting Act. File a dispute letter with the credit reporting agency. If they don't correct the error, you have the right to sue both the furnisher of the information and the credit reporting agency.

1 user found this answer helpful

Andy Wayne Williamson
Andy Wayne Williamson
Answered
  • Santa Rosa Beach, FL
  • Licensed in Florida

A: I agree with Attorney Turner, and respond to add that your credit report, is just that a history report of your credit activity, both good and bad.

It sounds like to me the lender is the one that is not viewing the situation correctly as a paid account should show the matter resolved and that it is not an open account.

Good luck,

1 user found this answer helpful

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