My $3000.00 FCO collection is gone from one report - Equifax. I paid the 25% settlement because it was 5 years this month. Therefore, I used the NYS state 5-year rule on paid collections. I think they quick update to Equifax because I put the dispute in before collection updated and it was off three days after I paid. I never saw it update to settled in full.
Now I am waiting for TU and EX to removed it. I spoke with a supervisor at both and they said soon as my dispute comes back as paid/settled they will remove it from report. I have not checked scores for changes yet. Just glad to get that monkey of my back. This is the only collection I had on reports – so you know I bouncing off the wall at home.
Now I have to work on my coordinated app strategy with first rate execution, before comimg out of the garden since 2014. LOL 
@Sexyblue wrote:My $3000.00 FCO collection is gone from one report - Equifax. I paid the 25% settlement because it was 5 years this month. Therefore, I used the NYS state 5-year rule on paid collections. I think they quick update to Equifax because I put the dispute in before collection updated and it was off three days after I paid. I never saw it update to settled in full.
Now I am waiting for TU and EX to removed it. I spoke with a supervisor at both and they said soon as my dispute comes back as paid/settled they will remove it from report. I have not checked scores for changes yet. Just glad to get that monkey of my back. This is the only collection I had on reports – so you know I bouncing off the wall at home.
Now I have to work on my coordinated app strategy with first rate execution, before comimg out of the garden since 2014. LOL
I realize this is an old thread, just wondering what happened. Did you get it removed from TU & EX? How did it affect your scores?
Everything was removed with little hassle and on time. The issue I ran into though with EX – was that the CO sent the collection to the bureau with the wrong date of first default. When I explain that to the EX – they did a 3-way call on the spot and confirmed the correct information over the phone with the CO. It was removed by the next morning when I checked at 7:00 AM. Other than that everything else was easy. All the reps from the CA’s were very supported in getting it removed. It was like they were afraid of the government – because they kept saying this needs be off by now because of the NYS 5-year rule.
----Scores went up north of 40 points on avaerage.