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Vino378

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Talk to original debt holders or collection agencies?
Hi, I paid off a few accounts through the collection agencies a few years ago. I did not negotiate a deletion at the time. Now i would like to have them removed instead of just showing paid. Who handles this? The collection agency or the original debt owner?

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Who you settled with...

You'll need to go through the collection agencies that you settled with to get them to change any of the reporting.  I'd be interested to know what your success rate is at getting them to remove the derogatory information.  You didn't mention if you had negotiated a partial payment with the collectors or if you paid up in full.  If you didn't pay up in full, you may need to be very careful talking to them as initiating a new contact could reset the 7 1/2 year timer on having the derogatory information removed from your credit file.

Good luck!

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