On XXXX I reached out to Action Collection Agency to resolve a debt on an old medical bill when I did n't have insurance for the amount {$790.00}. 

I have been working with a mortgage company to be qualified for a house that my wife and I have been looking at to be conditionally approved with a favorable rate the mortgage company requested the negative trade line be deleted to give me the credit score bump to cross that thresh hold to qualify. 

On a recorded line with Action Collection Agency we made an agreement that if I paid in full that the tradeline would be deleted. The women I spoke to asked her manager and she agreed to delete. The mortgage company faxed over a letter confirming what they told me. 

I waited a few days and the mortgage company called and gave me the bad news. I was not approved at a reasonable rate. 
The account was updated to " Paid Collection ''. 
1. This is not was what agreed upon with ACA. It was clear that it was to be deleted. 
2. " Paid collection '' stays on your credit file for 7.5 years barring me from a reasonable mortgage until that time. 

This had been a huge disappointment for me and my wife. We essentially had to turn down the mortgage offer on a house that we had fallen on love with after a several month process. I am a man of my word and I expect ACA to act with integrity and right this wrong.