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Paid off collections over a year ago, how to get it off my credit report?


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Wassup y’all, I went through a rough patch in my life when I was 18 and overcharged the freak out of a kohls charge card and it went into collections. I paid it off and now i’m thinking🤔, how can i get that removed off my report since i paid it off. I know i should’ve tried to write a letter to them saying if i pay it off they’ll knock it off my credit but i wasn’t thinking back then. Is it to late to contact them and ask to get it removed if possible? Im not tryna wait 7 years i’m trying to get a house next year y’all.

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 Tuff for real, personally I wouldn't pay a collection at all. Id rather ask them to validate the account and if I had to pay always do a pay for deletion. 

 

It doesn't hurt to ask them to delete it, but keep us updated?

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On 6/19/2021 at 12:33 PM, c0moneyman said:

Wassup y’all, I went through a rough patch in my life when I was 18 and overcharged the freak out of a kohls charge card and it went into collections. I paid it off and now i’m thinking🤔, how can i get that removed off my report since i paid it off. I know i should’ve tried to write a letter to them saying if i pay it off they’ll knock it off my credit but i wasn’t thinking back then. Is it to late to contact them and ask to get it removed if possible? Im not tryna wait 7 years i’m trying to get a house next year y’all.

what is the DOFD for the tradeline on each of your four consumer credit reports mailed directly to you by each CRAs?

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On 6/19/2021 at 12:33 PM, c0moneyman said:

I know i should’ve tried to write a letter to them saying if i pay it off they’ll knock it off my credit

 

That's not how it works with original creditors.

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