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Possible to delete "paid" collection accounts?

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Joined: 29 Jan 2009
dragon79's page
Posts: 5

381 Magic Points

Subject: Possible to delete "paid" collection accounts?
Posted on Thu Jan 29, 2009 12:40 am  

I have a bill that went to collections and was paid in full the moment I even realized it was on my credit (I was not informed it was even going to be on my credit). For 67 dollars. Its been a year and it says PAID on it, but is still affecting me negatively. Is there a way to get this deleted? There is no information on this account, nothing. No open date, nothing. The place says something like "00006y7"...that is the name that is on the collection account. Just the amount is there stating paid.

Joined: 03 Nov 2007
goodnatured's page
Posts: 3931

405 Magic Points

Posted on Thu Jan 29, 2009 3:22 am  

I have been there, I have a few that are going to fall off next year, I paid them off and they have continued to affect me negatively for a long time, I have tried everything and nothing has worked. I am hoping that someone comes a long with some good advice on how to do this. I know I have to deal with this for at the least another year.
for all the ways I make $$ online


Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California

30048 Magic Points

Posted on Thu Jan 29, 2009 6:51 am  

Even if you have paid off the debt, it will stay in your credit report for seven years and six months as "paid" and will be listed as negative in your credit report. To remove the negative item from your credit report, you should have made the creditor agree to pay for deletion agreement and that too in writing before you pay off the debt. This is because after the debt is paid in full, the creditors have no incentive to remove it from your credit report.
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Joined: 28 Jun 2006
scott's page
Posts: 446

10890 Magic Points

Posted on Thu Jan 29, 2009 12:40 pm  

No, it is not possible to remove "paid" from your credit report once you pay off the debt. It will stay there as negative and affect your credit score. All that you can do to improve your score is to improve your credit history. $67 is not a big amount, but since it is listed as negative, it will lower your score.

Use your credit account responsibly and enjoy a debt free life.

Joined: 26 Feb 2008
fireyone's page
Posts: 4246

106 Magic Points

Posted on Thu Jan 29, 2009 4:06 pm  

If you know the name of the person or company you had this debt with maybe you could contact them and let them know you paid it as soon as you saw you owed and ask for removal. Chances may be that they won't remove it but you never know until you try.

Subject: pay for deletion agreement
Posted on Thu Sep 17, 2009 1:51 pm  

how can I get this pay for deletion agreement, or do I make up

Subject: points?
Posted on Thu Nov 05, 2009 2:14 am  

How many points does a paid collection account gain you when you pay it off versus when it showed as not paid collection account? I am trying to figure out if it makes your credit score higher?

Joined: 03 Nov 2007
goodnatured's page
Posts: 3931

405 Magic Points

Posted on Thu Nov 05, 2009 3:15 am  

welcome to the forum, I am not sure that Paid raises your score any, I know from experience that it stays in the negative column and that you will still be questioned on them when you apply for credit, it is a bit frustrating. I paid off four accounts and all they did was update the status and they stayed in the negative column, it done me no good to invest the money in paying them off in this aspect, the only thing it did was stop the collection calls which was a big relief. I am not sure that it raised my score at all.

Joined: 26 Feb 2008
fireyone's page
Posts: 4246

106 Magic Points

Posted on Thu Nov 05, 2009 8:00 pm  

What goodnatured says here is true. It really does not get you points to have an old debt updated as paid. We also had an old debt we paid off a while back and every time we went to the bank, even though it was the same one, they would inquire about this debt.It was understandable why they were asking and we were always prepared to answer them. Sometimes bad stuff beyond your control happens and if someone can not understand that then they must have lived a perfect life.
Billy, If you are looking for a Pay for deletion letter I believe there is one under letters of credit on this site. It should be a long the side of your screen.

Joined: 03 Nov 2007
goodnatured's page
Posts: 3931

405 Magic Points

Posted on Fri Nov 06, 2009 11:50 am  

Great advice fireyone, I did not know about pay for delete when I paid mine off.

However, what if they were sold and are reported under a few different companies, I have some that are the same debt, that show transferred a few times before I had the money to pay them off. The last company that you are dealing with is the one you would be paying off, they don't have the power to remove the original creditor or the other collection agencies entries on your report, so the negatives would be there except for one company right? and then it would just show transferred, where if the one you paid leaves it on instead of pay for delete at least you can show you paid it, right??????

Joined: 10 Oct 2009
debranewell2008's page
Posts: 591

108 Magic Points

Posted on Fri Nov 06, 2009 1:17 pm  

Hi goodnatured,

Great question. There was someone else asking the same question on here. And I had no idea how to handle it. Because I guess pay for delete wouldn't be an option for the other collection agencies because they wouldn't be getting any money. So I was thinking they couldn't be removed. Even though it is a paid debt.

Subject: Specifics?
Posted on Mon Dec 21, 2009 8:45 pm  

This is a great thread... One more important question.

What exactly is the date that starts the timer on the 7 year long discrimination for a paid collection/charge-off?

Does the clock start ticking on the date that the collection account was purchased by a 3rd party or does the clock start when you pay off the debt? If both, does the latter reset the clock?

Posted on Tue Jan 12, 2010 11:23 pm  

i have credit card debt... i have been turned into collection... i paid the collection agency... Question the original credit cards will continue on my credit report (neg.)... So i should have never paid because it will still be on credit report????

Posted on Fri Feb 12, 2010 10:13 pm  

Stacy - if you pay your collection account without arranging with the company that owns the collection to remove the item from the report then yes, it will remain there hurting your credit score for 7 years. I learned the hard way.

So demand, and get in writing, that the item be removed from your report as part of the terms of your payment.


Joined: 01 Nov 2008
cinnamngrl's page
Posts: 1320

6381 Magic Points

Posted on Sat Feb 13, 2010 12:37 pm  

For the record I have gotten many paid collection account off my credit report with 623.

dispute with cra
send 623 letter
whine and complain to regulating agency.
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