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Contact the original creditor. First, contact the creditor to check the status of your debt, Sater says. Call the collection agency. One popular method for trying to get a collection removed is the pay-for-delete letter. Present your proof. Get it in writing. No luck?

The date. Your name. Your address. Your creditor's name. Your creditor's address. Your account number. The negative mark you'd like removed. Which credit bureaus the mark needs to be removed from.

When you write a pay for delete letter, you are essentially asking a creditor to agree to remove the negative information from your credit report. They would do that once you pay the debt in full or settle for an agreed-upon amount.

Contact the original creditor. First, contact the creditor to check the status of your debt, Sater says. Call the collection agency. One popular method for trying to get a collection removed is the pay-for-delete letter. Present your proof. Get it in writing. No luck?

Find out which debt collector owns the debt. Most likely, they will contact you. Write the collection agency a pay for delete letter. When the creditor agrees in writing, keep the letter on file and pay the agreed amount.

While a pay-for-delete request is unlikely to work with the original creditor, a third-party debt collection agency might be more amenable. Though, don't be surprised if the debt collector refuses: Removing an accurately reported item from a credit report may violate its reporting agreement with the credit bureaus.

Contact the original creditor. First, contact the creditor to check the status of your debt, Sater says. Call the collection agency. One popular method for trying to get a collection removed is the pay-for-delete letter. Present your proof. Get it in writing. No luck?