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kwpastorwife

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Do paid collection items (zero balance) have a negative affect on my score?
I have several paid collection items on my CR.
Can I have them removed? If so, will it help my score?

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Paid Collection Items

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Yes they can be removed. You can either dispute the items on your report and in the comments section use the remark "Account paid, please remove trade line as a courtesy" or you can write the creditor directly and explain that the account has been paid and could they please delete the trade line as a courtesy or gesture of goodwill. This has worked for me. Best of luck!

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Helpful to 5 out of 6 people

They will stay on your credit report fro 7 & 1/2 years from the date they went delinquent.  They hurt your score, but paid is better than unpaid and the older they are the less damage they do.

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Paid collection

What does it mean when it says Remark: paid collection??

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