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I Want Debts I Paid Off Removed From My Credit Report. – Karen

“Dear Steve,

I have a few debts that went to collection, but have been paid off. Now my credit is bad and i want to clear it up FAST! What can I do?

What can I do? Is there someone who can help me contact these companies to have the items removed and my credit score raised?


Dear Karen,

Yea, it doesn’t work like that. Even if you’ve paid off a delinquent debt it will remain on your credit report for seven years. Your credit report is like a report card. It reports your good and bad grades.

Just because you got a D in a class in school it does not get removed from your report card. Your credit report works the same way.

The best way to bring your credit back up at this point is to follow this guide to rebuild it.

You can find people that will sell you credit repair services but they are a scam, will take your money, and there is no guarantee the debt won’t be reported again in a few months.

Besides, using a credit report to apply for credit where a factual but negative item was removed is credit fraud. Don’t focus on the bad grades. Follow my guide and get some new good grades to bring your score up.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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