I just disputed it because I had paid it in full
I only paid it off last week, and I paid the full balance, but rather than wait for them to decide to update, I just disputed it cause it was no longer owed. they deleted it.
I am so psyched that was my lowest score. I have another collection I am going to do the same thing to this week.
I expect a much smaller difference but still can't wait to get the collection off my back.