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Write the collector a letter explaining your circumstances and why you would like the debt removed, such as if you're about to apply for a mortgage. There's no guarantee your request will be accepted, but there's no harm in asking. A record of on-time payments since the debt was paid will help your case.

Once you've paid off an account in collections, it will eventually fall off your credit report. If you'd like to expedite the process, you can request a goodwill removal. Removing a paid collection account is up to the discretion of your original creditor, who doesn't have to agree to your request.

Ask for Goodwill Deletions If you have an otherwise blemish-free credit history, go ahead and ask the collection agency for a goodwill deletion. Removal after payment might be against their rules?but goodwill deletions might not be, and it never hurts to ask.

Most negative items should automatically fall off your credit reports seven years from the date of your first missed payment, at which point your credit scores may start rising. But if you are otherwise using credit responsibly, your score may rebound to its starting point within three months to six years.

You can write a letter asking the creditor or collector to remove this information as a goodwill deletion. Your goodwill letter doesn't need to have a lot of information or details. Simply identify the debt, and point out that it has been paid and that you'd like them to remove it.

If your collection account is paid in full but hasn't hit the seven-year mark, the creditor or collection agency may remove the account from your credit report if you request a goodwill deletion. While getting this outcome is a rare occurrence, it doesn't hurt to ask.