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LadyJayne2310

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Closed Collections
There are two closed collections accounts on my report, both were settled for less than full balance last year but are still on my report. Is this hurting my score at all? Can I get them removed since they are closed and settled?

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Paid collections will still harm your credit, but the damage will subside as the accounts age. As far as getting rid of them it will be difficult, but you can look for any errors on the accounts and if you have grounds to dispute the accounts with the credit bureaus you could do that and hope for a deletion, however be aware that that move can backfire and drop your scores if they simply update rather than be deleted. Another thing that you could do is to write the collection companies GOODWILL LETTERS so do some reading on them.

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