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I have a paid collection on my credit report showing "Failure to Pay" (FP) for January and February of 2013. The original account is from a Continental Finance credit card that I have no knowledge of nor is it showing on my credit report. After I was alerted by Experian, I immediately contacted CKS Financial, the collection agency, argued for hours and got nowhere, and ended up paying the account off which was a couple hundred dollars. It was just In exchange, they sent me a paid off letter which is below. They would not remove the account from the . How can I get this removed from my credit report? My score dropped 94 points because of this... Its only showing on Experian. Below is the letter that I have, signed and on CKS Financial's letterhead. Thanks! Original Creditor: CONTINENTAL FINANCE Account Number: XXXXXXXXXXX Original Balance: 354.12 Reference Number: XXXXXX Dear Sean XXXXXX, Thank you for your final payment which we received in our office on 1/3/2012. This letter is to confirm that your account is now considered to be paid in full and reflects a $0.00 balance. You should keep a copy of this letter for your records. If applicable, we will update our tradeline on your credit report to reflect your account's paid in full status. This letter may be helpful should you wish to address any entries on your credit report regarding this debt you have paid. If you have any questions, please call CKS Financial toll-free at (800) 984-3711. Our office hours are 9:00 AM to 8:00 PM on Mondays and Wednesdays, and 9:00 AM to 5:30 PM on Tuesdays, Thursdays, and Fridays, Eastern Standard Time. Sincerely, John Sanders Executive Vice President