Had a collection deleted...

[Anonymous]

About a week ago I had a collection deleted from CR but I don't see any change. Shouldn't I see something? Here is the thing though... I had NCO add a new collection. Could that offset the deletion?

[sl]

How old was the collection that was deleted?

[Anonymous]

about one year.

[sl]

it could be that the new collection balanced it out..what else has changed on your report?

[Anonymous]

nothing at all.

[sl]

I am sure the new collection account has affected your FICO.

[GetLifeBack]

Ok, I need help. I have a collection that I just paid and I want it removed cause it is lowering my score. I called the collection agency and asked about the debt and it was a non-payment of a co-pay for my son at the emergency room. The reason that it went to collection was the they had a incorrect address that they were sending the bill to. Therefore I was not able to get the bill and pay it and was not aware of the bill nor the collection until I pulled my credit report. I tried to talk to the collection agency and ask them being that I have paid the collection could they remove it from my credit report and they denied me. What can I do to get this removed from my report?

[techgirl]

In my experience, you have more leverage before you pay it off to get things removed with a letter stating something like if you cash this check you are accepting payment in full and you will remove any derrogatory information on my credit report.... I am sure there is a better letter than that out there, but you get the idea.