was this a pay for delete? if not I would just wait it out a paid collection scores the same as an

unpaid one, so it won't make any difference score wise. It just looks better on manual review

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Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards