12 Sample letters to repair your bad credit
Hi chor and moon:
If you have already paid the debt, then it won't be that easy to remove the item from your credit report. Once you have paid the dues, the creditor or the collection agency won't want to work with you anymore in relation to that account. However, if the account is showing zero balance on your credit report, then you need not worry.
Moon, you could have requested the creditor or the collection agency to agree to a "Pay for delete" agreement during the settlement.
You can get a sample "Pay for delete" letter at http://www.creditmagic.org/repair/pay-for-delete.html . You should send it through certified mail.