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JoJo0716

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Does a collection account that says paid in full still effect me?
I have an account in collections that was paid off almost 2 years ago. My credit report says the balance is $0 and says Paid in Full but does that still impact my credit score negatively? How can I get it removed off of my credit score completely? Does it even matter because it clearly says Paid in Full?
Id like to pay off my other collection accounts because I am trying to repair and rebuild my credit. Help!

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The most scoring models out there doesn't distinguish between paid and unpaid collections, so in those scoring models your scores won't change just because it's paid. The two models I am aware of that dose ignore collection accounts once it's paid are FICO 9 and VantageScore 3... Paid and unpaid collection accounts have same reportable length of 7 1/2 years, except in State of New York, supposedly it's only 5 years for paid collection. 

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