You can request a goodwill removal of the paid collection. For the collection that has not been paid, you can request a PFD. If you are not able to get a PFD, it will change the DOLA on the account as it will reflect the status change from unpaid to paid. The change in the DOLA should not affect the score. If you owed on a revolving account and it was affecting your utilization, then paying it off could increase your score because your utilization would drop.
Starting Score: EQ FICO 544 (2/21/12)
Current Score: EQ FICO 620 (4/18/2013) EX 611 EQ 592 TU 567 (Lender Pull - 11/29/12) USAA FAKO's: EQ 630 EX 643 TU 599 (3/19/2013)
Goal Score: EQ 700
Wallet: Capital One Secured MC: $300 - Orchard Bank Gold MC: $300 - Texell FCU Platinum Bonus VISA: $2500
