Well, for the electric co.....I think it would be a good idea to call them up and ask them first. The thing is.......since it was a recent acct, it appears as though the collection account was only assigned (not sold). Since you paid the OC and not the CA, then really the CA has no right to report it. The collection account no longer exists......there should be nothing for them to report.
The only thing to worry about is if the OC will turn around and send the payment to the CA........then that kinda screws it up because the CA can then legitimately say they were paid and therefore have rights to report it.
So, yes.....what I would do is call the OC and ask them. If they just flat out say no, then let them know you will be stopping payment on the check and that you refuse to pay it until you get the itemized bill proving it's yours AND and agreement in writing that it will be removed from your CR.
If they try to tell you it will reflect as paid and should hurt your score that's BS......a paid collection is just as bad as unpaid collection (scorewise).
For the medical account, just start out with the medical dispute letter. That may get it to drop right there. If it doesn't then you would need to send the OC the "Letter to Original Healthcare Provider" with insert b.
Now on the lien, that one is so old it may just drop off by disputing it. Use a letter similar to the
judgment dispute letter and just be sure to modify it.
I would highly recommend that you
opt out and update/delete all personal information on your reports before doing the disputes.
Hope that helps.
