I'm just starting to figure out this whole credit repair mess. I'm in the fortunate position of being able to pay all my old debts without a struggle but, I'm learning what the best strategies are for this good fortune to positively affect my score and overall credit profile. Before learning enough about what I was doing, I paid off a (small) old debt in full but, I did not get anything in writing or make any demands as to the status left on my credit report. It now shows "Paid : Was collection account, yadda yadda" which I'm learning isn't actually a help to my score. Is it possible (or preferrable) to go back to these people and attempt a Pay for Delete? What is the best method of managing this now that I've lost my leverage?
