I paid off my credit card - now what?

Credit

I am sorry if this is a stupid question. I honestly don't know much or anything at all about this.

I am 21, and two years ago I was offered a student credit card with an $800 limit from my bank.

I was irresponsible. A year ago I owed a little bit over $1000. I noticed one day while checking my checking account balance, that my credit card no longer showed up. I assumed my bank closed it or cancelled it or something.

I started getting letters from a debt collector. I did my last payment this month.

I was told by my mom that now I have to call them and ask them to send me proof that I paid it off and I have to send it to a credit bureau to get my credit score up? or something like along those lines. My mom isn't a very reliable source, and I've tried googling this question but get other irrelevant answers it seems.

Is that what I am supposed to do?

Thanks.

Posted Feb 25, 2016, 1:23 AM UTC

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