I have a debt on my credit report from Unique National Collection, it is for a library fine. From my understanding, Unique Nat'l Collection does not accept payment, and I must deal with the library directly.
My question is, once I have the debt paid in full with the library, can I have Unique remove the item from my report entirely or does it simply goes into a "Paid/Closed" status? Should I talk to Unique first? Do I need the library to sign an agreement that says they are releasing me from this obligation?