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Question By
Lisjopet70

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Can small claims be erased after pd?
I have a medical bill ($300) that a collection co turned to small claims. I am about to make my final payment to this collection co. Will having thus pd in full help increase my credit score, even only a few points? Also I'm thinking of asking "pay to delete". Is this even possible with small claims?

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Is it been reported as judgement? judgement is matter of public record, pay for delete deal wont and can't affect the judgements.

Reply by
Lisjopet70

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Thank you. Thats what I thought.

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How to do a 'pay for delete' is explained in the articles on this site and that information will benefit those who take the time to read the information.  Since a small claims suit is a legal action, it is now too late to negotiate a pay for delete and this account will show on your credit report for the next 7 years since it is part of your credit history.  Reading the articles helped me to learn how credit works and I now have an excellent credit score even with a fixed income. 

Reply by
Lisjopet70

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Thank you!

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