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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.
Additionally, both have a lesser impact as they get older.
Unfortunately, simply paying a collection account without getting it removed often won’t improve your credit scores.
With few exceptions, as long as a collection account is listed on your credit reports it’ll have a negative impact on your credit scores.
You can get a free credit report every year from each of the major credit reporting agencies – Equifax, Experian and Trans Union – and you can get two free credit scores (from Experian and Vantage Score 3.0) anytime at
In short, what works is writing a pay for delete letter, waiting it out and asking for removal due to goodwill (more on that later).
Sometimes collection agencies make this kind of offer, but usually it’s the debtor who tries to negotiate a pay for removal deal.