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How long will a collection on your rental history stay on your record once it's paid off?
My wife and I are trying to rent an apartment but owe $450 to a previous apartment complex because we left a month early. We are getting ready to pay it off, but were wondering how long it will show that it is unpaid on our record once we pay it off? Is it an automatic thing?
Even if you pay the past due amount, the collection account will not be removed, it will just be updated to paid. The account should be updated once the company reports to the credit bureaus, most companies report every 30 days, however it varies by company. A paid collection can still be reported for the remainder of the 7 year reporting period.
Since this is a non-credit card debt, you really should try to negotiate a "pay for deletion" agreement with the debt collector, this means that in exchange for monies they will delete the account from your credit report. You need to get this agreement in writing, signed by an authorized agent of the company before you mail them payment.
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