How can I remove a paid collection item from my credit report?
I have a collection item on my credit report for $245, I have paid it already. How can I remove it from my credit report? Is it better to talk to the collection agency to remove it or directly to the credit bureau? Tnx!
Collection, Credit, From, Item, Paid, Remove, Report
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Paying a collection item may be the honorable thing to do, but not in your best interest. Check your credit report and if it’s marked as paid leave at that. You see, once you’ve paid you can’t dispute it successfully – otherwise why would you pay in the first place if the debt is not yours? Paying an item in collections dings your credit though not as much as leaving it unpaid.
This is the reason for negotiating for deletion before paying off.
A paid account is an honorable one. Down the road the account will diminish in importance. Take it as a lesson, keep paying your bills on time and in time it will fade somewhere in the background especially if you build up a good score.