I've been able to pay off my delinquent accounts and have been improving my credit. But there's still a negative mark from the TBSC, The Best Service Company, who took on the $625 I owed Bank of the West. I paid the whole amount last December (12/19/19) so have obligated the debt. I understand that these marks can stay on your report for years, but I'm wondering if there's a way to request that it be removed. I sent them a physical letter of correspondence but never heard back. Is it worth hiring a debt consultation firm for such a purpose - keep in mind it's the only derogatory mark remaining on my record. Thanks in advance!