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Creditrepair78

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how can I remove a $0 balance collection account

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Dispute it is the easiest way

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If it is your account, you can't dispute it. 

Top Contributor
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"If it is your account, you can't dispute it" WRONG

​You can dispute any account on your credit reports, whether it is yours or not yours. You can dispute it whether or not you have good grounds to do so, it's just whether you can win your dispute or not is the question.

Keep in mind that sometimes a debt collector will simply delete the account rather than go through the process of your dispute, they got their money and probably don't want to spend any more time with the account than needed. Or they may not have the proper paperwork on the account.

Top Contributor
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You can try disputing it or try a "goodwill letter". Keep in mind though that disputing it can backfire and drop your scores when it updates, your scores would recover from this in time, but for the next few months or so you would be feeling the negative effects if the account does not get removed from the dispute.

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