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Question By
otisjay2006

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3 collection accounts are showing paid. Should I have them removed from credit reports if I can?

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Paying collection accounts is not grounds to have them removed. They will remain for 7 years from the time that the original account became delinquent that resulted in the collection account. You should always try to negotiate "pay for delete agreements" prior to paying any old negative debt, some creditors/debt collectors will do it and some will not. Being that you've already paid the accounts, you can send "goodwill letters" to the collection company listed on your reports and ask them kindly for a removal of the account. Sometimes they may grant your request and other times not, if your request is not granted, keep sending goodwill letters. The only other route would be if they are reporting inaccurate information, then you could dispute the inaccurate information and hope for a deletion of the account.

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