How long must a creditor wait before reporting you delinquent?

I gave notice on 8/21 and told the office I would be gone by 9/7. Since rent was due on 9/1 (past due after 9/5) they told me to just wait until 9/7 and get a final bill before I made a payment. I paid via their online system on 9/7. That day, they mailed me a final statement, which had already been paid. Last week, I received a call from a collection agency regarding my past due rent. I explained it had been paid online, I even had the confirmation email and print out. The office claimed they never received it and didn't have my contact info to call/mail me about not receiving it. This was a blatant lie. First, they mailed my final billing statement to my new address that I had provided. Secondly, the statement sent to the collection agency had all of my contact info on it (home ph, work, cell, addy). They reported me delinquent just SIX DAYS after they mailed my final bill, even though it had been paid. My credit score dropped 100pts! The online co. said no way they didn't get notice

Debts are not reported until they are 30 days past duie.

It sounds like since they misplaced your payment info, they recorded it as late after that 30 day period.

Simple problem to fix....First send the collection agent a dispute letter and demand to validate the debt, Send them a copy of any documentation you have lthat it was paid. DO IT TODAY! And send it by certified mail.

Also send a letter to each of the collection bureaus and dispute any listing that was placed. Get your credit report at http://www.annualcreditreport.com

Read the Fair Debt Collections Act and the Fair Credit Reporting Acts. Know your rights.

If you do these things...and if you are certain you have the payment proof....and they still do not remove this from your credit reports.......pretend you just won the lottery!

File a small claims suit against the collection agency and credit bureau for posting unvalidated info to your credit report, and you can win $1000 from each of them.

30 days.

usually 30 days.

Tags

　　Meeting Room 　　Meeting Space 　　Conference Room 　　Offices to Lease 　　Rent Offices 　　Business Centers 　　Service Offices 　　Branch Offices 　　Temporary Offices 　　Shared Offices 　　Commercial Space

Related information

Can an employer place financial sanctions against employees, then fire the employee for not doing their job?

Well, if the facts are as you've described you should consult an attorney regarding the filing of a wrongful termination suit. Of course, if the company can't pay its bills what's t...

Starting my own company.?

First of all, yes you can pay *some* of your rent and utilitities via the company, but you MUST maintain the "corporate shield" (google it). So you'll pay those things out of the co...

What does it mean?

b 4

...

Why do some Christians suffer soo much?

I hope and pray that I can encourage your heart tonight. God never promised that life would be easy for us, when we follow Him. Actually as you know Jesus said, "we will suffer for Him"...

Is this a funny arrangement or what..?

you forgot the other half of the joke... "Upon receipt of the note, the girl immediately returned the check for $250 with the following note: Dear Sir, First of all, I cannot understand h...

I need some help with accounting...please!?

I hope this info will be helpful. I know the list is long but what can we do. Here I go: Account Classification Balance Statement Acc. Receiv. Current Asset...

Please.. please.. please... please.. please!!! PLEASE!!!! help me!! :(?

accounts receivable current asset banks ? acc. payable liability building asset ok assets are something you own or is going to bring you money these are things in the plus side of a busines...

My landlord wont return my deposite?

Assuming that he is claiming that he is using your deposit to pay for damages caused by the tenant. Upon Termination of Occupancy, Landlord must send to tenant, within 30 days, a list of damages...