MrRiches asked:


Someone on here once wrote this. But has anyone ever done it:

“When you pay off your medical collections, before you send any checks to them you should try to negotiate the removal of these items from your report by the collection agencies. Get it in writing. Otherwise everything stays on for 7 years. That’s a long time to pay for youthful troubles. ”

Say I pay off all my debts, can I ask each of them to remove the debt from my credit report? And how would having it in writing help?

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