how to remove collections from credit report?

Discussion in 'Credit Talk' started by bsmith, Mar 28, 2017.

  1. bsmith

    bsmith Member

    Hey everyone!

    I had an account that went to collections from Verizon Wireless because there was a cancellation fee that I was unaware of. A year later, I get a call from a collection agency and paid it off immediately. Now it is holding back my credit score. Anyone have any idea of something that I can do to try and remove it? Maybe a good will letter?
  2. jam237

    jam237 Well-Known Member

    You can try good will.

    It's paid status means that you lost your biggest piece of leverage.

    But the best thing would be to look at the tradeline with a fine tooth comb and see if there are any errors that you can dispute, first with the CA, then immediately with the CRA.
  3. bsmith

    bsmith Member

    Sadly I found that out after I had paid it. Do you have suggestions as to how I should phrase the letter?

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