How to remove a paid collection from my Credit?

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So I had a viewer recently ask “How to remove a paid collection from your credit report?”

Hi everybody, Dave Sullivan for the Credit Guy T,V out at Philmont Scout Ranch with my son.  We’ve just hiked fifty miles went up to the summit of Mount Baldy at twelve thousand four hundred feet.  This week I want to talk about how to handle a Paid Collection on your credit report and if it is worth the time to try and remove it?

One thing I’ve learned on this track is don’t focus on the negative focus on the positive.  If you have a paid collection and nothing else derogatory on your credit report and  it’s a few years old it could actually help you.  I won’t get into that right now, you can watch future episodes for how that could be. What I would tell you is focused on the positive don’t focus on the negative. If you have a paid collection, leave it alone. Every month the goes by it will actual help improve your credit score naturally, provided you don’t have any other derogatory information at all.


"How to remove a paid collection from your credit report"

12,400 ft

So focus on the positive, three to five bank credit cards with a long credit history, keep the balances down to five to nine percent of the total available credit. Then if you do have one or two 30-day late payments go for the good will removal of those. Try to focus on the positive, on the open active accounts and you’ll be much better off in the long run.

This is Dave Sullivan here for the credit guy TV, So you with a little bit I me, we are going to change the credit industry! Thank you!


If you’re looking for other ways to improve your credit score please go to you can get free videos and worksheets to increase your credit score from a more holistic perspective. Never Pay Collections

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Go to to find other ways to improve your credit score. I’m Dave Sullivan here for the credit guy TV so you with a little bit me we’re going to change the credit industry thank you

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2 responses to “How to remove a paid collection from my Credit?”

  1. fulton says:

    how should a 1099c be reported on your credit report?

    • Sully says:

      A 1099C is a forgiveness of debt that you may have to pay taxes on. The 1099C will not be reported but the debt associated with it will report the debt settled. Do you have an example of the creditor that you can share wit me?

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