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closed accounts on my report are hurting my score

New Member

closed accounts on my report are hurting my score

i have a five or so old items on my credit report from when i was in college that went to collections.  i paid all of them off completely over 4 years ago.  i have read about ways to fight/remove other negative items from your report but nothing talks about an account that was paid off. 
 
i have had a car loan and a new credit card since that i always pay on time.  if i just had these items off my report i would have a much higher score.
 
any tips/ideas?
 
thanks.
Message 1 of 5
4 REPLIES
Moderator Emeritus

Re: closed accounts on my report are hurting my score

You want the paid collections gone.


Message Edited by Tuscani on 07-31-2007 12:11 PM
Message 2 of 5
New Member

Re: closed accounts on my report are hurting my score

thanks, thats what im trying to figure out. 
 
is there a template for a letter i can send to get these taken off my report? 
 
i have found letters to dispute information, etc and a PFD letter but this is different.  since i have already paid them off i just want the items removed from my report.
 
thanks again.
Message 3 of 5
Moderator Emeritus

Re: closed accounts on my report are hurting my score

Message 4 of 5
Highlighted
New Member

Re: closed accounts on my report are hurting my score

THANK YOU SO MUCH, THIS IS GREAT.  I FEEL LIKE I HAVE A REAL GAME PLAN THAT MIGHT ACTUALLY WORK.  I'LL LET YOU KNOW HOW IT GOES.
 
BEST REGARDS.
Message 5 of 5