Be aware that paying off a collection account will not remove it from your credit report. well what will do it

Answer 1

If you had paid a collector without requesting deletion, you might go after the trade line.

The trade line cannot be re-aged to report for a longer period than the true obsolescence date from the original creditor.

If they are reporting anything inaccurately you have a right to dispute the inaccuracies. If the collector fails to correct them legally it must be deleted. (though sometimes it's a fight to make the CRA's do the legal thing)

If you use reports that you paid for, the CRA's have 30 days to investigate. If you use the free FACT-ACT reports they have 45 days (which could mean the difference in a negative trade line remaining instead of being deleted)

You might click on my profile and do some reading in the links provided - to the FCRA, FDCPA, etc.

Answer 2

HIPAA regulations won't help you. They conceal scientific documents, no longer the unpaid bill. Had you paid the unique service, that still does no longer have helped. the sequence employer suggested the debt to the credit bureaus and that they are the only ones who can do away with it. you may have negotiate a pay for delete contract earlier you paid. Too previous due now. it fairly is a official debt and could proceed to be for the stability of the 7 12 months reporting era. via fact this debt is decrease than $one hundred, it won't be impacting your FICO score decrease than the latest FICO formulation. those forms of one time small expenses are no longer counted in any respect. regrettably, no longer all great financial establishments have switched over to the latest FICO formulation. Takes longer for them to transform and this could negatively impression your FICO decrease than the old formulation. i do no longer frequently advise this, yet you may attempt to dispute the debt with the credit bureaus as no longer being valid. via fact the sequence employer became paid in finished, they won't hardship to confirm whilst the credit bureau contacts them. the article could then be bumped off. This fairly isn't a good technique to sue yet as a result could artwork for that one merchandise.

Answer 3

The fact that is was in collections to begin with will stay for 7 years, then there are 3 basic options, pay it off and close it at your request, let it charge off (not good), or file bankruptcy (not good either)

Answer 4

Contact nationwide consultants, they will get you to contact experian and equifax for copies of your credit report.

When you receive them you send those off to nationwide credit consultants with a £70 cheque, they will clear your credit history for the last 6 years at all addresses you have resided.

If after a period of time stated by nationwide; you cant obtain credit then you can get a refund.

Answer 5

All credit is on the report for 7 years, eventually it should say "paid as agreed" and should improve your score.

Answer 6

You're going to have to wait 7 years for that bad boy to disappear from your credit report.

Answer 7

It will show as paid.