Spyguyjim....you say to wait about 6mo-1 year after paying off a collection(because it does start the clock over again), what do you tell the CRA's that you want it removed from your credit report but why...I mean just because I don't want it on there is not significant is it? Needless to say before i found this site I had about 10 charge offs on my credit report and I just recently paid them off when they were from 96... so there goes another 7 years right? So to dispute them what should I do in about a year? Thanks again for all your help....
