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Money and Finances
Reply to "Debt that's already gone to collections"
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[quote=Anonymous]Definitely no on the credit counselor. Pay it back if it makes you feel better but it will not improve your score. Your credit report reflects your payment habits so whether you currently owe the debt or not doesn't change the fact that you did owe it. You can ask for what is called a pay for delete where you offer to pay it off in exchange for them deleting it from your credit file. I've had success with this in the past. really depends on the company. You could also try disputing. That works sometimes as well. If neither of those things work you'll just have to wait out the 7 years. When I repaired my credit this board was extremely helpful. http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/bd-p/rebuildingcredit Go read as much as possible and you can post as well but chances are it's already been asked.[/quote]
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