Paid Account Still Showing as Unpaid Letter — Correct Your Credit Report and Update Paid Status
Make Sure Your Credit Reflects the Truth. Protect Your Middle Credit Score®.
If you’ve fully paid off an account—whether a loan, credit card, or collection—but it’s still being reported as unpaid, that’s a major reporting error that can harm your credibility and score.
A Paid Account Still Showing as Unpaid Letter helps you formally request that the credit bureaus or creditors update your account to reflect the correct “paid” status and remove any lingering negative notations.
At Middle Credit Score®, we help consumers take control of their financial identity with free, legally sound templates and educational resources.
You can find this letter—and over 30 other dispute examples—inside our Credit Dispute Letters Support Center, built to help you correct errors under the Fair Credit Reporting Act (FCRA) and protect your financial reputation.
🔍 When to Use a Paid Account Still Showing as Unpaid Letter
Send this letter when:
- You’ve completely paid off a loan or credit card, but it’s still marked as unpaid or past due.
- Your creditor hasn’t updated the account after final payment.
- You settled a collection account that still appears active.
- You want to remove incorrect delinquency notations that continue after payment.
Even one unpaid status error can impact your Middle Credit Score®, loan approvals, and overall creditworthiness—so it’s essential to act quickly.
💡 Why This Letter Matters
Credit reporting agencies rely on data supplied by creditors—and when those records lag or go unverified, your report can show false negatives.
By sending a Paid Account Still Showing as Unpaid Letter, you:
- Request that the creditor or bureau update your record to reflect payment in full.
- Eliminate inaccurate delinquency data that hurts your credit.
- Restore your Middle Credit Score® accuracy and integrity.
- Build a written record of your good-faith effort to maintain correct reporting.
Once corrected, your report will show a “Paid in Full” or “Settled” notation instead of “Unpaid” or “Past Due,” improving your profile with lenders and scoring systems.🧭 Step-By-Step: How to Send
- Gather payment proof such as receipts, cleared checks, or bank statements.
- Complete the Paid Account Still Showing as Unpaid Letter below with your account information and supporting evidence.
- Attach copies of all payment documentation (never originals).
- Send the letter by certified mail to both the credit bureaus and the original creditor or collection agency.
- Keep all correspondence for your records and check for updates within 30 days.
Creditors are legally required to provide accurate, up-to-date account information under the FCRA—and this letter ensures they comply.
🔗 More Free Credit Correction Templates
Browse more sample letters for disputes, verifications, and updates in the
➡️ Credit Dispute Letters Library.
Learn practical credit maintenance strategies to sustain a healthy Middle Credit Score® at the
➡️ Middle Credit Score® Academy.
🧠 Bottom Line
A Paid Account Still Showing as Unpaid Letter ensures your credit report reflects your true financial standing.
By correcting payment record errors, you not only protect your reputation but also strengthen the accuracy and reliability of your Middle Credit Score®.
- Paid Account Still Showing as Unpaid Letter – disputes incorrect unpaid status on paid accounts.
[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]
[Creditor or Collection Agency Name]
[Address]
Re: Correction Request – Paid Account Incorrectly Reported as Unpaid
Dear [Representative],
I am writing to dispute an error regarding the account [Creditor Name / Account Number] that is currently listed as unpaid or in collections. This account was paid in full on [Payment Date], as confirmed by the attached receipt or confirmation number.
Under the Fair Credit Reporting Act (FCRA), furnishers of information are required to ensure all data they report is accurate and complete. I request immediate correction of the payment status and that the account be updated to “Paid in Full” or “Settled in Full” with all credit bureaus.
Please provide written confirmation once the correction has been processed. Thank you for your attention to this matter and for assisting in maintaining the accuracy of my credit history.
Sincerely,
[Your Signature]
[Your Printed Name]
⚖️ Disclaimer
The sample letter provided above is for educational and informational purposes only. Middle Credit Score® does not guarantee specific results or credit report changes. Each credit bureau or creditor may have its own policies, and outcomes may vary. Consumers are encouraged to review the Fair Credit Reporting Act (FCRA) and seek professional or legal advice if they need personalized assistance. Middle Credit Score® is not a credit repair company and does not perform credit repair services.
