[KoolAid]

Need help...

I've been in the market for a house, & when we went back on April 17th, it said I had an unpaid collection. I called them up (the CA) & paid the measley $32. A few days later is when I found this site.

My first problem came up recently when I noticed that even though I paid them on April 17, the last "reporting" to this account was on 08/09. When I called them last month, to ask why it took so long to report it, they claimed "We report at the beginning of each month. It was the CRA's that didn't update it till then." I called them on their BS saying "I paid several things that day, & all were reported on 05/09 except yours. It took several months to do this." I asked that they remove the collection from my record because of this, in which they said "We're not allowed to due to a contract with the CRA's." I asked them for a copy of that contract, in which they denied me. Nor could they provide me with a link to any document online that stated this, & I called them out on that too.

Today, almost 5 months after we first checked my report on this, I notice what MAY be a reporting violation that has been on there all this time. The report says:

Reported: 08/09
Open: 06/07
Last-Act: 04/09

Limit/HC: 119
Balance: 0

Past-Due: (nothing listed)

Terms: 1 M

# Months: 01

30/60/90 History: 0/0/0

There was also a "9" under the 01 in months, & below that was "08/09 9"

So my questions are:
1: If I paid back in April, & the last activity says 04/09, why/can they report it in 08/09 & will doing so reset the time limit on the account (meaning is it now only 1 month old vs 5 months)? Can it REALLY take the CRA's that long to report it? (all 3)

2: Am I correct in seeing a violation in the Terms: 1 M section when I NEVER agreed to any terms?

3: Are they full of bs when they say they can't delete any records?

4: What would be the best plan of action?

My credit score is SO close to where I need it to be (the med fico was 589 this afternoon). In order for me to get the loan, I need a min 620. What's the fastest/easiest way to get this cleared & my score upped ASAP? I want this collection off my records cause of their incompetence.