How do I get something removed from my credit rating if it belongs there?

I had an account go into collections about a year ago. I paid less than the full balance. Basically it was my fault. Is it possible to call the collections agency and ask them to remove it? I know the length of time for something to stay on is 7 years from time of transaction. But, is it possible to get it removed earlier than that? Is it out of the collection agencies hands now? This may sound stupid, but I am only 23 and still learning about this very important crap. And I would say that I am learning it the hard way.

How do I get something removed from my credit rating if it belongs there?
It can't hurt. If you've paid up what was owed, I'd give them a call and try. At the very least, you can ask them to add an addendum that you have paid in full.
Reply:VALID IT REMAINS..


YOU CAN TRY...SOMETIMES EVEN VALID ENTRIES DO GET REMOVED.
Reply:You don't get it removed. Even if you pay the full balance, the fact that it went to collections in the first place, stays on your record for 7 years.





What you do now is pay all your bills on time. Keep your debt low. Don't apply for a ton of credit cards. Your score will go up and that one mis-step won't make a huge difference in a year or so.
Reply:Unfortunately, it takes seven years.





I had a similar situation... I had a medical bill get turned over to collections before I had a chance to make arrangements with the hospital for payment, and once it is done, it's done. It's out of their hands.





It is a lesson learned the hard way, but keep everything else in your score up (don't open too many cards or carry too high of balances) and it won't count against you too much. Despite mine, I have been able to open lines of credit for a car, etc. It won't ruin your credit.





They can mark it as paid, but it will probably take a few months for the change to be reflected.
Reply:if the account is classed as cleared u can ask for a note putting or your credit report saying settled they may even remove it but doubtful

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