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itsyorkie

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If I pay off a collection account will my credit score improve?
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THIS MAY HELP

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I have read the majority of the responses. A few of them I don't agree with on the premise that it is faulty informatation. However, here's what I've learned from some of the credential advice that I've read on here which has helped me to improve my credit score. To many of you, a great big THANK YOU! I hope this help many others as well.

You can do one of two things. I have tried both. The first suggestion is a very slow and long waiting process. The second suggestion is must faster.

Suggestion 1


  1. If the debt is old for example 4 to 5 years old and if you are not planning on purchasing a car/home in the near future, let the credit stand and run its course of 7 years. It will be removed from your credit report.

  • It is important to remember that you can not contact the creditor or acknowledge the debt with the creditor. (Especially when they call you.) When you do this, the time clock of 7 years does start over from the most recent date of acknowledgement.

I exercised suggestion 1 with a credit card that I closed years ago. Although I closed it, they continued to charge me interest on my balance. They are not supposed to do this. So, I went from $5000.00 balance to $20,000.00 balance over a a span of 5 years of none payment. I refused to pay them until they corrected my account.  They wouldn't do it, I didn't pay them. I would have been stuck paying the $20,000.00. I didn't acknowledge them when they called or sent correspondences. I wasn't planning on purchasing a home/car, so I rode it out. It's been removed from my credit 5 years ago now. Thank You Lord.

Suggestion 2


  1.  You must not only pay off the debt in collections, but you must also have it removed from the report all together. This will help you gain 20 pts.   (Paying off the debt in collection alone will NOT improve your credit score)

  • To have it removed, write a letter of appeal to the creditor/collection agency requesting that they expedite the removal of the  credit off of your report. Eventally it will be removed in 7 years, however, who's trying to wait 7 years if you're trynig to buy a      house, car, etc....
  •  When writing your letter of appeal, it is very helpful to add a brief summary as to the reason why you defaulted on the credit item, notate that you are currently practicing a debt reduction plan and state your goal. Also state your request that it is removed from all three credit agencies.

When I worte my letters, I explained to them that I am a Cancer survivor trying to restore my credit so that I may purchase a home for my family. My credit was greatly affected when I was diagnosed 5 years ago. During this time, the economy crashed, I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent doctor appointments. Prior to this monumental time in my life, my credit was great.

In the past two years I have finally regained controlled of my finances. Since I've paid off my car note, I use that money to pay off past/current debtors.  You don't miss what's already been leaving your pocket. I started paying off $300.00 a month. The first year I paid $100.00/$20.00 per account trying to cover as many debtors as I could. This helps to keep current debts from going into collections and reduces the debt that's already in collections. The larger payments were applied to those already on the credit report and the lower payments were applied to those not on the credit report. On year two, I increased the payments to $500.00/$50.00 as I had a payraise due to my earning a higher degree and I no longer have daycare expenses.

My Results: My financial diet is paying off tremendously. I have greatly reduced my debt to credit ratio. My finances are flowing more freely. We have been able to rebuild our saviings. My family and I are able to enjoy life and activities. Two weeks ago I mailed my letters to 6 creditors. I heard from 2 of them the very next day.  Snail mail was actually speedy for once. Lol! I just heard from another debtor yesterday.  They have all agreed to remove the debt from all three credit reports.  I can't wait to hear from the other 3. Whoo Hoo!

THE BIG KICKER IN ALL OF THIS IS THAT I DIDN'T PAY ANYONE A DIME TO INVESTIGATE, CONSOLIDATE,  MANAGE OR ADVISE ME ON A THING. THANKS TO PEOPLE LIKE YOU HERE ON CREDIT KARMA. 

I HOPE THAT I AM HELPFUL TO YOU AS YOUR ARE TO ME.

Reply by
mo2k7us

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Helpful to 10 out of 18 people

Does your score go up by 20 points for EACH account in collections when you go with Suggestion 2?

Reply by
WigPusha

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Helpful to 40 out of 59 people

The only problem I have is I have a past due bill from 2001 on my credit report....It's only 7 years IF the debt doesn't get sold to another collection agency.....then the 7 yrs start over.

Reply by
pixchick89

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Is there a way to find out when the most recent date of acknowledgement?  After researching this I am trying to figure out which accounts are worth waiting out and which are worth working with the company but I don't know when dates of contact were with each one and obviously don't want to make contact wrong....??? Please Help!

Reply by
debtboy1

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Helpful to 10 out of 15 people

Thank you so much, I too have had two accounts in collections removed just from negotiating with them. :) No help from anyone. 

Reply by
dedra50

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Helpful to 2 out of 2 people

Great Advice and thank you!  I like what you said in the end.

"THE BIG KICKER IN ALL OF THIS IS THAT I DIDN'T PAY ANYONE A DIME TO INVESTIGATE, CONSOLIDATE,  MANAGE OR ADVISE ME ON A THING. THANKS TO PEOPLE LIKE YOU HERE ON CREDIT KARMA. "

Dedra

Reply by
Jeanne675

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Helpful to 3 out of 5 people

I totally agree about the helpfulness of this site.  I haven't tried to get any pay for deletes yet but I'm armed and ready with all the info from you helpful people.  I also finally got approved for the secured Capital One Mastercard after taking advice from you guys.  They denied me prior to the knowledge I've gained on here.

I am also a cancer survivor and understand the extreme medical debt which is now keeping me and my husband from buying a house.  I was diagnosed 8 months into our marriage (in 2012) and we are STILL dealing with not only the financial devestation, but also everything else you get to deal with when they start "cutting things off."  Isn't there a mercy clause or something?  You have to be very rich to get cancer, and I've never been.  Now I'm looking at turning 40 with $10 in the bank.  I know, who is me.  Anyway, just wanted to say thanks.

Reply by
2topie

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I had 2 collections removed from my credit report and my  report had not changed at all. Also will paying off student loans  early make my credit score higher

Reply by
dedra50

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2 People Helped

This was very helpful information and I'm thankful!

Thank you.

Reply by
becca071885

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I never had to write a letter to get a collection removed. I owed $1200 on unpaid rent. I worked out a deal with the creditor and asked him to remove it from my record. It was gone within a week. Although I don't remember seeing much of an increase in my credit score. 

Reply by
becca071885

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I never had to write a letter. I owed like $1200 in unpaid rent and called worked out a deal wih the creditor, paid it and asked to have it removed. It was gone within a week. 

Reply by
ejugbooboo

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Wow this was extremely helpful to me thank you! Now I know where to start 

Reply by
marcus448907

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This reply is more geared towards WigPusha. The law states that the negative item can only remain on your credit report for seven years from the ORIGINAL date of delinquency. That is the day that you first went in the red. It doesn't matter when or where the debt is sold to, the original date is the original date. I suspect this myth was made up by companies to get people to pay. Why would you try to wait seven years when the collector could just sell it to themselves and restart the clock whenever they want to? LOL. It doesn't even make intuitive sense.

Reply by
marcus448907

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Myth No. 2: Paying an obligation 'restarts' the clock on your debt.

Half right. There are two clocks to consider. One is the length of time in which a creditor can force payment on a debt. The second is the length of time a debt can stay on your credit reports.

Forced-collection clock: Under state statutes of limitations for debts, creditors can use the courts system only so long to sue you for debt, get a judgment and garnish wages. But watch out: A consumer can unwittingly restart the collections clock on old debt, says Gail Hillebrand, associate director for consumer education and engagement at the Consumer Financial Protection Bureau. Acknowledging a debt (verbally or in writing), making a partial payment or accepting a payment plan can all risk "re-aging" the debt, restarting that clock.

Credit history clock: No matter who owns the debt, how many times it has been sold or whether you acknowledge it, it has to come off of your credit history after seven years, says Chi Chi Wu, staff attorney at the National Consumer Law Center.

And it's illegal to tag an old debt with a new "birthday," she says.

This seven-year clock starts 180 days after the last payment the consumer made on the accounts.

One notable exception to the seven-year reporting rule: collection judgments. A judgment is considered a separate item from the original debt, Wu explains.

Read more: http://www.creditcards.com/credit-card-news/9-debt-myths-debunked-1264.php#ixzz3WN6wgmNV 

Follow us: @CreditCardsCom on Twitter | CreditCards.com on Facebook 

Compare credit cards here - CreditCards.com

Reply by
FUSCHA

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I was unemployed for 2 years after the crash and have new debt. I have successfully fought off 3 credit accounts this year alone. I plan to ask for deletion of 3 more. So far gained 70 points in 6 months. My target is 700. I will pay off  2 more accounts this year for a total of 5 accounts. Coupled with paying down my open credit cards before years end and getting a secured credit card through my bank, I think I can do it. USe the free credit report you get at the start of the year because you need the number in order not to pay for the dispute. 

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312 People Helped

Get the collection deleted!

Helpful to 304 out of 328 people

Hey Guys,

I am fairly new to the credit management game but have been very proactive about it since starting.

If you want to get rid of "accounts in collections" you can go with Credit Karma's recommended Lexington Law for about $100 dollars (I did extensive research and everyone has good things to say about them) OR you can go to http://dispute.transunion.com/ for FREE and dispute it yourself. I had an account in collections of about $104 that I could have easily paid, but I had just used transunion to dispute something for my girlfriend and it got completed deleted within 2 days and her credit score bumped up by 50+ points later that month, so I figured having it completely deleted was a better option! It literally takes about 5 - 10 minutes to create your account and dispute it and I got my response the next day.

I can't say that this will be the same experience for everyone, but it is definitely worth a try!

Reply by
autumnleaves

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I also disputed directly with TransUnion and within 2 days the collection was removed from my account. My credit score went back up 20+ points immediatly. 

Reply by
Keithgee

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Helpful to 29 out of 36 people

When doing your girlfriends  dispute through transunion, had she already paid the amount owed? Thanks! 

Reply by
Lewisisenberg

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Helpful to 17 out of 21 people

I did the same thing with TransUnion and didnt expect much but within 24 hours both of my collections totaling nearly 600 dollars were DELETED and my score went up 60 points overnight...It is very easy to set up and account with TransUnion and it costs you NOTHING to dispute any item ..I was going to use Lex Law however after much research I figuered I could do this myself and i am glad i did.

Reply by
kwilliams072007

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This has also worked for me.

Reply by
undewriter

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Helpful to 5 out of 5 people

As a Mortgage Underwriter I will tell you disputing credit is the WORST move you can make.  We look at this in a more negative light than we might look at the collection! And if they are medical in nature leave them be... we don't even note them - and soon they may not have an impact on your credit at all!  

Reply by
nightowl10

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Hello, 

Just a quick question, I am fairly new to fixing my credit and have a few debts that are just a couple hundred dollars that i would like to dispute. Pardon my ignorance but i don't know how to dispute a charge let alone what to 'say' or do to have it removed altogether from my credit. Thanks in advance for all the help!

Reply by
ronreed55

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You did extensive research on Lexington Law and "everyone has good things to say about them..."?  You are either 1) a shill who works for Lexington Law, or 2)  the world's worst researcher. 

I know, you're probably one of the fake "paralegals" Lex Law employs. 

Get real, Pepeboiya.

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What do I put under Account Number since it Credit Karma doesn't give actual Account Numbers? Just the abbreviations?

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770 People Helped

Rick

Helpful to 770 out of 827 people

Here is something that might have been mentioned.

Get in writing that your account will be either deleted, or marked "paid in full" before you send in a payment.

(DO NOT GIVE VIRBALLY, OR WRITTEN ANY PROMISE, OR NOTICE THAT YOU WILL PAY, OR AGREE THAT YOU OWE ANY MONIES).

Doing this COULD refresh the statue of limitations on the account, and could open the door for them to sue you in court.

Use your words wisely and remember you are being recorded. You could tell them, "I don't plan on paying the bill at this momenent. However, if you send me a company letter

head letter stating a payoff and a promise from you to remove, or report the item as Paid In Full. I will keep it for my records, and we can go from there"

This is touchy. Because any promises, virbal or written can really hurt you. BE CAREFUL.

Once this is done, and you have paid the amount wait about 90days and log on the credit agency's websites and dispute the paid items as not being your accounts.

The agency will send the creditor a notice about the dispute.

2 things will happen.

1. They will check their records and update it as paid in full.

2. They will check their records, see it's been paid and ignore the notice.

The 2nd is what you are trying to achieve. Once they fail to respond, the agency is forced to remove it.

If they do 1. then wait another 30-60 days and do it again.

People get confused, and a old account they don't remember can sometimes get mixed up with one that was theirs.

Just remember, when you talk to the collection agents, be respectful, because they hold your credit in their hands at this point.

Reply by
stephdalessio

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Helpful to 28 out of 40 people

This seems like GREAT advice! Do you know if it effects my credit differently if it's marked as paid or removed completely?

Reply by
ItsBenBroughton

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Helpful to 20 out of 28 people

I'm having an issue where the collections company is stating that they will not send out a letter stating their actions once the dent has been paid  because it is against their company policy because they are not obligated to send such a letter according to the law.

If they won't send the letter, and I won't make a payment or even the promise of one, do I just keep this account in collection status on my report until it drops off after 7 years? 

I'm also thinking of bypassing the collections company altogether and paying the original party but I'm not sure what that would do.

Reply by
Birdie96

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 This advice is incorrect.See Fair Credit Reporting Act. Only the creditor can make changes to your credit report, and that is only if the line of trade was reported in error. Don't be fooled into thinking you can negotiate what's on your report by settling a debt with a collection agency.

Reply by
barpal

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I don't think what you're saying here is true. I've been told that just even inquiring about a collections account, while in the credit bureaus,  will restart the statute of limitations at the "inquire date." BEWARE!

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The Catch-22 Advantage

Helpful to 93 out of 98 people

ome / Questions About Credit? Find Your Answer at the Creditnet Learning Center / Understanding Debt Settlement / The Catch-22 Advantage

The Catch-22 Advantage

When you think about it, our credit reporting system provides little incentive for you to pay off your debt. If you ignore the debt long enough, you stand a good chance of never hearing from the creditor again. Seven years after the debt is written off, the negative listing disappears from your report altogether. But if you pay the debt sometime before the end of that period, the seven year cycle starts all over again— not exactly what one would call an incentive. It's like getting time added to your sentence for good behavior.

Fortunately, creditors make their money by collecting the debts, not by reporting negative credit information. Creditors recognize this catch-22, and are therefore often willing to delete the negative listing upon settlement. If you are going to settle with a creditor, be sure to negotiate removal of the listing from your report.

Collection agencies are always more agreeable to delete a negative listing than are banks or credit card issuers. The only time you might run into problems is when the collection agency represents a large institutionalized creditor. Many creditors have an agreement with the credit bureaus that they will not allow a negative listing to be deleted upon settlement. Larger creditors such as the credit card giants or banks will require considerably more pressure before they give in to your demand. Virtually every creditor will succumb given the right amount of convincing.

Every creditor who reports to the credit bureaus can also change the information they report. In most credit organizations, there are dozens of people with the authority to make changes on the credit report. Anything a creditor reports, a creditor can change.

There are two ways you can approach deletion of negative information in response to settling a debt with a creditor: pre-notification of terms, and post-notification of terms.

Pre-notification of Terms

In this scenario, you tell the creditor up-front that you require the deletion of the entire negative listing as a part of the payoff. Definitely obtain this agreement in writing before the payoff takes place.

Advantage: You will save yourself time and frustration. There is also less of a chance that you will have to fight the creditor later to actually delete the negative listing.

Disadvantage: If the creditor discovers that your credit is important to you, they may change their mind and demand a larger settlement amount— sometimes as much as the full balance.

Post-notification of Terms

Once you have concluded your negotiations with the creditor, you include a "conditional endorsement" document with your settlement check. This document, which should be drafted by your attorney, informs the creditor of your terms for settlement. In your case you will insist that you are settling the debt on the condition the creditor delete your negative listing.

Advantage: Most of the time you will get a more favorable settlement amount this way. The creditor is often sufficiently tempted by the payoff that they deposit the check without blinking at the new terms.

Disadvantage: The creditor could reject your terms and return the check to you. Subsequently, the creditor might ask for more money or re-neg on the deal altogether. In the worse case the creditor deposits the check without following through with your demand. You will then have to fight the creditor later and force them to delete the listing.

Never expect a creditor to meet a verbal agreement. Document everything in writing, no matter how "good" you feel about the representative you speak to. You will likely have to fight the creditor to get them to live up to their end of the bargain, even when you have written documentation.

You may find that some creditors refuse to agree to a deletion under any circumstance. Yet every creditor will eventually agree to your terms if you speak to the right person or hold off long enough. But if you are on a time-line and your attorney is unable to obtain an agreement for full deletion, there are a couple of other options you have.

List Account as PAID

You may counter-offer that the creditor list the account as "Paid" rather than delete the item. After all, this would be an accurate indication of the status of the account and many creditors agree to this wording. Note that a "Paid" status is still very negative for a collection account. You should only agree that the account show "Paid" if all other negative notations are deleted. These notations include charge-offs, repossessions, late notations, and collections. A simple "Paid" notation on a regular trade line is neutral and should not impact your credit negatively.

List Account as SETTLED

Another option is to have the negative item listed as "Settled". While this is an inherently negative listing, it is not as negative as "Paid charge-off." Don't agree to a "Settled" listing until you have exhausted all other possibilities. Because "Settled" still triggers a credit denial, you should only agree on this type of listing if all other negative notations are removed. These notations include charge-offs, repossessions, late notations, and collections. If you agree to a "Settled" notation, you must continue to work hard to delete the notation through the credit bureau dispute process.

List Account as PAID CHARGE-OFF/PAID COLLECTION/PAID LATE

Finally, you can counter-offer to list the account as one of these. Note that this will be the creditor's first choice, and should be your absolute last. These notations are almost as damaging as showing "Unpaid" status. It is not unusual for an account to be deleted through credit bureau disputes once it has been paid. The creditor then has no compelling reason to keep the negative listing on your report. For this reason, it is still usually a good idea to settle even when the creditor will not budge on deleting or positively modifying the negative listing.

Reply by
pixchick89

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Helpful to 2 out of 3 people

Is there a way to find out when the most recent date of acknowledgement to the creditor? After researching this I am trying to figure out which accounts are worth waiting out and which are worth working with the company to have paid and deleted but I don't know when dates of contact were with each one and obviously don't want to make contact wrong and reset the clock....??? Please Help!

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stick to your guns

Helpful to 35 out of 38 people

For those of you who paid off old collections and they have not removed them, I had the same issues.  They verbally agreed to delete from my credit report however only updated the account was paid or settled.  I stayed on them and called as often as I can to coerse them into deleting them completely from my credit.  Once a debt is paid, the collector cannot call you or contact you for any reason unless they have other debts in collection for you.  I reversed harrassed them, calling daily to inquire when and if they will remove it from my credit. They all got tired of me calling in and finally agreed to remove the accounts from my credit history.  The ones that refused to provide a letter showing they requested it to be removed I had experian call them with me on the phone and confirm they agreed to remove the debt completely.  When that was done, Experian had it removed by the end of the business day and no longer showing it at all.  I had over 9 old medical collections deleted and now am working on student loans that were sold or the company closed.  My score was 571 and I will check in a while with experian to see what it will be now that the collections have been deleted.  I also applied and was approved for a credit card from Capitol One, just a lame little $200 limit secured card to start showing some payment history on my credit.  I was advised to keep my charges lower than 30% and pay them off a day before the bill is due and not to touch them again until after the date each month that company reports to the bureaus. It has also be said to keep a balance owed of a low amount, such as $1.00 or so, then pay it on the next bill to show that I am keeping a line of credit open and i appear more valuable to a creditor.  It seems they would prefer to have people who have small balances with credit cards for a higher score than those who pay everything off in full.  We shall see.  

Reply by
gshott

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Thanks I just settled some debts and the collector would not send me a letter statement say it would be removed I have to trust her she said I need my score to go up quick I'm hoping she removes it or I'll do what you did

Reply by
cblack412

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Helpful to 3 out of 3 people

You generally have until your billing cycle closes. So if your payment date is the 10, it usually closes on the 12th or 13th. So, pay the bill and don't spend anything until the cycle closes and you should be fine.

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336 People Helped

Helpful to 336 out of 345 people

In an attempt to raise my credit score I got a copy of  all of my credit reports and paid off all of my collection accounts within a month. There was like 6 of them. After a month they were all reported to the bureaus as "Paid" or having a Zero balance but they are still under the "Potentially Negative" catagory on my report. My score did not change one bit even though I technically owe nothing to creditors. I am beyond annoyed by this. Now I am starting to hear from people, including financial advisors, that it is better to just leave them be and not pay them. Once they reach collection status they will be negative no matter if you pay them or not. And if you DO pay them, like I did, you reopen the account so it stays on your report for seven years from the day they are paid rather than 7 years from when they were first reported. So i screwed myself by doing the right thing.

 I was advised to open a secured credit card, which I have done through Capital One, and my score should improve if I keep the balance below 30% of my limit.

It's a shady world out there people. Good Luck!

Reply by
lizzy525

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I gota tell ya it's tricky with collections.  I however, did not have the money to pay my collections on my credit  report and had to let them run their course so to speak.  Well, I am here to tell you that when anyone tells you that you should let them ride their course,  DO IT.  I tried what you did several years ago with the same results.  So here is the crux of the matter:  I found that paying them off makes your credit   WORSE.    Leaving them ride out the seven years makes your credit BETTER.  I too have just got a secured cc and I have had it for 3 months.  I had checked my score on here about a month ago and there was no change.  Today it has increased by about 100 points.  So ty secured cc for making my credit better and I hope this helps you

Reply by
barpal

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That was always my feelings on collections once it reached the credit bureaus. I always made it a point NOT to pay them when they reached this stage.

You DO, however, still have the chance to pay the balances off when they are IN collections. But, you have to respond quickly before they are sent to the credit reporting agencies/bureaus. Once there, it's there for good- even if you decide to pay them off at the late stage- in the credit bureau stage. Keep your money.  

Reply by
lucydog777

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i just had three removed this month!when i paid them i ask them to remove them and one i disputed that it was satified and ask experian to remove it and they did.

Reply by
CleetusTheFetus

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NEVER leave a collections bill unpaid. It will consistantly ravage your credit score if you do that. They no longer EFFECT your credit if they are paid. If they remain UNPAID thats another story. I dropped NINTY ****ING POINTS because of bills I didn't even KNOW were there.

Reply by
viv630

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0 People Helped

Did the same tbing, paid in full four accounts incollections. One was taken off completely, to my surprise, but the other three are still showing on my report. Although I paid these accounts off my score didnt go up. 

What a cruel world ; (

Reply by
1CutiePie3

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Thank you so very much for sharing this information with us!  I'm in the same position, with the initial intent to pay all my collections accounts.  I came to this section to read about anyone else who had been in the same situation as me, and your story was exactly what I needed to hear.  Thanks so much!

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31 People Helped

Haven't tried it yet

Helpful to 31 out of 31 people

I found this pay for deletion sample letter http://www.credityoda.com/pay-for-delete-letter.html. I have not tried it yet but it looks good.

Reply by
Esomirp7

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Helpful to 4 out of 4 people

I'm using it now. Will be mailing letters tommorow and will update any responses I get. Thanks!

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25 People Helped

3rd party collection agencies....

Helpful to 10 out of 10 people

HAVE NO CONTRACT with you to legally come after you for anything! If you want to get rid of something that has been sold from the original company to a collection agency do the following.. Sign up for an account at dispute.transunion.com. Go through each item and for those that state they are owned by a collection agency, dispute them and select the option "contract has been cancelled" and in the comment area write "NO CONTRACT". I have done this and have helped many others with the process to EASILY get rid of tons of debt... STOP PAYING 3rd party collectors! Unless you like giving your hard earned money away... Knowledge is power! :) <3

Reply by
snshn1314

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0 People Helped

THANK YOU! This actually worked for me. I just received a letter today from the collection agency that they would be removing it from my credit file.

Reply by
majorflip83

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I just tried it ..... hopefully this works

Reply by
kiramaker

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Helpful to 1 out of 1 people

Enter Your Reply

I just did it so wish me luck, also what about the other Equifax and Experian?

9 Contributions
95 People Helped

Helpful to 71 out of 78 people

Yes your score will improve once it's paid off. Make sure you ask for pay to delete option. It is always good to negotiate the amount with them and ask for paid in full letter as a proof that it has been paid in full. 1 collection account will increase up too 30 points on your credit report. It takes almost 30 days to update. If you settle the amount less then what you owed it will still impact on your report as negative. You can always dispute the amount with credit agency and have them update the record with in 30 days. Hope it helps. 

Reply by
lmj1968

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Helpful to 10 out of 17 people

I paid off some old medical bills which were in collections last year. My credit report (Equifax) shows them as having a 0 balance/paid, but they are still having a negative impact on my credit. I didn't know I should have a letter from the collection agency for my protection at the time....how can I get this to stop negatively impacting my credit??

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10 People Helped

what if the creditor refuses to send.

Helpful to 10 out of 12 people

the collections agency said they do not handle credit information that we would have to talk to the original creditor... we talk to the original creditor and  they refused  to send a letter of promise. i was told that they cant send thing of sutch a nature and that once the account has been paid they send a letter of a 0 balance. my question is how can i get them to send a letter promising before i make a payment? or would it be better to wait for that letter and if they dont send it after 30 days dispute it?

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