I know when an account is a collection, it shows an 09 rating. When I pay that colleciton off, should that rating stay as an 09? I assumed that the 09 rating is what the FICO system was reading to reflect into my score, but even after I paid off a collection, the 09 rating is still there. Should I dispute this to have the rating changed or removed? If it still shows as an 09 after I pay it off, is that rating hurting my score? Thanks!
