[cjain]

Trish,
The procedure i wrote is the way i removed a collection charge on my credit report.....what is there to be confusing!!

Sometimes CA are fraud that is why you need to send the copy of the recipiets to CA along with the letter they sent you as a proof that you paid to them. Sometimes CA do not remove the charge that is when you file a dispute with Transunion/Experian/Equifax.

I didn't have to go through Transunion, the charges were removed immediately. But a friend of mine did the same procedure and his charges were removed after 2 months. So i would say it depends!!!

Thanks!!