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Creditor never sent me a bill and 5 years later its on my credit report

With out getting the bill EVER!, is it legal to go on my report without proper notice? Only been on there since march 31st 2013 they say it's been on there for the month of march. i also called original creditor and paid in full on monday april 8th (found the issue on my report on April 6th 2013)

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Credit reporting agencies are very inefficient. If the debt was just reported it could take several months for it to be removed. I would just monitor your credit report and if the item is not removed in 2 or 3 months call the creditor and ask that they report the debt as paid.

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I talked to the original creditor again today (and yesterday) they are sending me a letter stating that it has been paid in full, however claim they can NOT remove it from my report since my mailing address was current when i disconnected my service. (Utility Company) I tried to explain again today that i Never got my final bill and didn't know i owed any money. (They are also sending me a copy of my final bill, so that i can review it- per my request) my credit report says it will come off my report Status Details: This account is scheduled to continue on record until Apr 2015.which sadly is 2 years proving my point that the bill is 5 years old. Also I talked to the collection company that shows up on my report (the original creditor does not show on my report) said they tried to send me A letter in september 2012 when they received the debt but the letter got sent back to them. so would this count as fair where i never actually got contacted? THANKS AGAIN!
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Fair or not, there's not much you can do I wouldn't get worked up about one utility bill on your credit report. If that's all there is it won't have much effect, if there are a lot of things, fixing this won't help. I had wrong info on my credit report several times and it had no effect on my ability to borrow money.
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Since you paid the bill in full, the creditor should expunge you from their records. Call the credit report company and talk to them about this; they will contact the creditor and verify your claim, after which the debt should disappear from your record.

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whatisnext

Too bad you paid it. My Mom's bankruptcy attorney told her not to speak with or respond to any calls. That after three years, the company can no longer try and collect the debt. She received that information three years ago.

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I don't know much about bankruptcy, but im sure the rules are different if someone like myself isn't looking to file. im pretty sure if you file bankruptcy it still goes on your report but i think it stops anyone you owe money to from being able to ever collect. I do know that if you have bankruptcy or a judgement against you it can stay on your credit report 7-10 years. BUT I found out that theres a better chance to get something -removed- and not just closed and paid in full if you ask the creditor "if i pay you in full will you take this off my report?" and alot of times they will agree but you need this is their letter head stating they will delete it and not just report it as paid. to bad i found this out AFTER I paid my debt in full with no negotiating. :/
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