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What do credit bureaus do. Wednesday, October 28, 2009. If I receive a letter from a collections agency, is it ALREADY on my credit report or should I pay i. I just received a letter from a collections agency. I contacted them and they said that if I paid the debt in full and within 30 days, that it would not show up on my credit report at all. Does the debt collection agency have any LEGAL obligation to NOT report the debt to the credit bureaus if I pay it off within 30 days of receiving notice? Delinqu...