<prompt> Human: I hope that you fine people can give me some advice here.Long story short: 10 years ago I opened a joint account with my ex-husband. We shortly after got divorced, and I had forgotten about that account. Apparently he still used it for a while, and last year, it went negative, and he never repaid. I tried to open a joint account with my current husband, and was notified through the bank check-system about this old account. I immediately went to that old bank and settled the account it was only 100, easy to resolve. This was September 15th.Fast forward to today and I check my credit report through CreditKarma. I have a new collection notice on my credit history now, for that bank account, and to add to the frustration, theyre reporting that Ive only paid 80 of the 100 limit.How do I take care of this? Do I contact the old bank? Do I contact the collection agency? Is there a way I can get this removed from my credit history? I unfortunately didnt keep the receipt because I had thought it was taken care of in full, why would I need this? Im rolling my eyes at myself so hard right now, but I feel like I should be able to get a copy of the receipt from the old bank fingers are crossed. What would be the best way to proceed with this? TIAETA: sorry for any confusion, I hope this clears it up- I paid in full with the bank. They had even contacted their collection department to verify that the total balance including any fees was a total of 100. I paid 100, received a paid in full letter and receipt which I misplaced or lost. Collection agency reported that Ive paid 80 of total balance total balance 100, amount remaining 20 UPDATE: I checked my report with all 3 credit bureaus, and found it had only been submitted to one so far. I disputed it yesterday, and received a response this morning. Transunion has deleted the collection from my account! I am still going to go get a copy of my Paid In Full letter from the bank today, in case this pops up again. Thank you all for the helpful advice. I had a whole plan laid out for how to handle this because of you guys. Also, lesson learned, ALWAYS keep Paid in Full letters, and if you get a divorcedissolve a relationship, make sure to close any and all joint accounts  <response>: Overall, the credit rating system is so unfair and ridiculous, and needs to be disrupted. Sorry to hear youre going through this BS. 