How can PAID COLLECTIONS still be under the "Collections" tab if they are settled/Paid and closed.
Can they not be listed as "current closed" ?
Upon payment of the debt, the debt collector is required to report the collection as closed, and the balance under collection as $0.
Deletion based on payment is not required. In fact, it is contrary to the credit reporting guidelines issued by the CRAs.
On a FICO standpoint, it doesn't matter if you owe $0 or $10k, the damage is equal. There's nothing that can be done to make a collection a positive account, other than to get it deleted.
Look around in here for "GW letters" and send them one, asking for a deletion.