January does not report to the credit bureaus. Upon final payment, you will receive a confirmation notice via the channel where you normally receive account communications from us (snail mail or email).
This notice may serve as proof that your balance has been resolved. We also provide updates to the current creditor on the status of your account.
We recommend reaching out to the current creditor or to the credit bureaus directly. Here is a helpful resource for contacting the credit bureaus.