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It’s good to keep in mind that not all late payments are equal.
Sometimes collection agencies make this kind of offer, but usually it’s the debtor who tries to negotiate a pay for removal deal.
Collection agencies will often respond to this request by stating that they are unable to remove the negative information. The credit reporting agencies prohibit this activity since they have contracts with these collection agencies.
So if you found yourself with a collection account on your credit report because you had a legitimate dispute with a creditor or service provider, it’s perfectly reasonable to request that collection account be removed if you pay the bill.
If you have extremely great credit history, barring an isolated error or short series of late payments, you might consider writing a goodwill letter to your creditor.
Have the credit reporting agencies remove it from your account after you formally dispute it.
If a collector keeps a debt on your credit report for an extended period of time – past seven years – you can dispute the debt and have it removed, especially if you have proof of the start of the delinquency.
What generally helps, but doesn’t benefit your credit report, is paying off a collection normally, without getting it removed.
Consumers sometimes ask collection agencies to remove the collection account from their credit reports in exchange for payment.
This fact also applies within the first 30 days of receiving notice of a collection.
You should immediately contact the collector and request debt validation because if they don’t respond, or can’t prove that you owe anything, they’re also forced to remove the collection from your credit report.
Having paid the debt and being able to prove you’re not a risky borrower look good to a creditor and they might remove the negative information from your credit report out of goodwill.