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Paid collections showing as derogatory item on CR

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need2improve
New Contributor

Paid collections showing as derogatory item on CR

I'm hoping you gurus can help me with this.  I have 2 collection items which show as PAID on my CR, but are still considered derogatory items.  How can I remove them from my CR?

Starting Score: 486 TU 3/2/10
Current Score: TU 603 EQ 582
Goal Score: 640

Message 1 of 3
2 REPLIES 2
MidnightVoice
Super Contributor

Re: Paid collections showing as derogatory item on CR

They drop off after 7 years from the date of first delinquency
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 2 of 3
Anonymous
Not applicable

Re: Paid collections showing as derogatory item on CR

Hi need2, welcome to the forum! Smiley Happy

As you have already paid, about the only recourse I know is to write GoodWill Letters...letters asking in good faith to delete the baddies. Sometimes they work, sometimes they don't. They are under no obligation to remove them, if the debt was valid.

Use the search box and type in "GW Letters" and "Goodwill Letter", for some great examples.

Good luck to you. Smiley Wink
Message 3 of 3
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