Credit Repair

Credit Score 664 – Pay For Delete Collection Account | Paying Collections to Increase Credit Score


Credit Score 664 – How to Choose

Paying Collections to Increase Credit Score | Pay for Delete Collection Account
Key Links Below!

This video discusses if simply paying down a collection account will lead to an improved credit score. This question is explored by looking at a collection account that was paid down recently following a settlement in full using pay for delete negotiation tactics.
In the video, we walk through a collections account that was recently paid down and how that impacted a real credit score. In this video we also explore the three key areas in a credit report that often has incorrect information following a settlement on a collection account.
Paying down a collection alone is not enough to improve a credit score, however using a pay for delete or settlement will impact that credit score if appropriate updates are made by the collection company to the credit bureaus.

For this reason, it is important to keep a written record of the pay for delete or settlement agreement in case the agreement terms are not applied to the credit report record as is shown in this video.

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 Time Stamp
0:00 Intro
5:55 Vantage Score after payment
7:19 Open Balance Error
8:17 Account Status Error
8:36 Account Remarks Error
9:06 Summary
10:54 Outro

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  1. Making Cents of Debt
    July 28, 2021 at 1:50 pm

    Get a FREE Credit Score Cheat Sheet here ➡

  2. Chadwick Collins
    July 28, 2021 at 1:50 pm

    GO casual

  3. Richard Jean-Baptiste
    July 28, 2021 at 1:50 pm

    Dress FAB please!!!

  4. anthony moody
    July 28, 2021 at 1:50 pm

    I need your help

  5. HeliumHit
    July 28, 2021 at 1:50 pm

    I know I’m late but thank you so much this helped me to understand a lot more then any other video. So I just got done paying my balance which my credit had gone to crap after loosing my car and getting repo then the auto finance company sold the car and told me I owed the remaining balance that was due after deducting the amount the car was sold for. They said if I didn’t pay off the remaining balance that they would keep reporting negative to the collection/credit company. I didn’t want my credit to get any worse so what I did is I settled an agreement that I would pay off the remaining balance and I finished paying it just last month so I was curious to check my credit report and see if that negative impact was still affecting my credit and it sure is. It still shows on my credit report as of Unpaid balanced charged off. My question is should I call the company which was the auto finance that they had agreed to remove it from my credit report? Or must I wait now because it says it will delete on 3/2025 and I just can’t wait that long. If you can advice me and help me that would mean so much thanks !

  6. Viola Hermosillo
    July 28, 2021 at 1:50 pm

    You are beautiful the way you are.

  7. lyric graves
    July 28, 2021 at 1:50 pm

    Im herevto listen, not to look. Keep on what u doing.

  8. Shan Howard
    July 28, 2021 at 1:50 pm

    Girl, wear what you want. Ain't nobody got time for all that.

  9. Band Kulture
    July 28, 2021 at 1:50 pm

    Can I set up payment arrangement for my collection account then ask for pay to delete once once I pay it down low enough?

  10. Cesar Vargas
    July 28, 2021 at 1:50 pm

    Btw just deleted account thanks for your hard work it helped me ❤❤

  11. Cesar Vargas
    July 28, 2021 at 1:50 pm

    U good!!!

  12. Ramzir Gharpon
    July 28, 2021 at 1:50 pm

    How does it works am desperately rn

  13. Ramzir Gharpon
    July 28, 2021 at 1:50 pm

    How does it works am desperately rn

  14. Mari Lopez
    July 28, 2021 at 1:50 pm

    You do look fine but I think people want to take financial info from someone who is dressed up/ professionally dressed. I don't think you need to be wearing a suit but like business casual jeans and a nice top. A full face of make isnt necessary either slap on some eyeliner and lip gloss and call it good to go or go bare faced you would look pretty either way.💜

  15. Jasmine Green
    July 28, 2021 at 1:50 pm

    Is there a followup video that we can see what you did to get those changes made and how much it raised after that?

  16. Elijah Jones
    July 28, 2021 at 1:50 pm

    You look great, and the information you give us is helpful,keep up the good work.

  17. Marc R King
    July 28, 2021 at 1:50 pm

    Thanks for the content! Much appreciated.

  18. J Zeta-Jones
    July 28, 2021 at 1:50 pm

    Your good with what your wearing

  19. Simone
    July 28, 2021 at 1:50 pm

    I’m here for the knowledge not the fashion! You look good as you are and I like you t shirt !

  20. n vital
    July 28, 2021 at 1:50 pm

    You could wear a brown paper bag for all I care… I'm more interested in content not fashion.

    FYI, you look just fine and very relatable.

  21. Sam Marks
    July 28, 2021 at 1:50 pm

    Good info. I like the shirt 🙂

  22. Mega Tron
    July 28, 2021 at 1:50 pm

    Pay for Deletion my dear. And also get it in writing.

  23. Oloveak Love
    July 28, 2021 at 1:50 pm

    Yo friend is a hater lol wtf does what you have on have to do with the knowledge you giving the people whew chile shes worried about the wrong thing

    July 28, 2021 at 1:50 pm

    you look beautiful! Thanks for the information it was very helpful!

  25. CharismaticJ
    July 28, 2021 at 1:50 pm

    I notice when I try to settle accounts on an agreed amount, the lender always fights me when I ask for the settlement in writing. It's so frustrating, and I am definitely a nice but very strict person. They don't budge.

  26. Jrock Az
    July 28, 2021 at 1:50 pm

    Put on a hazmat suit 😂

  27. Ming Lee
    July 28, 2021 at 1:50 pm

    I don’t think the way you dress is going to change my credit score ! Lol Thank you for the information,keep the videos coming.

  28. IDK YOU
    July 28, 2021 at 1:50 pm

    I received a collection letter for settlement of an old debt, it has not been reported to the bureaus. The settlement is less than 50% of original debt. Question, wouldn’t it be best to pay the debt before it damages my scores? I’ve been working hard at repairing and would hate to be set back. I’d appreciate your feedback, thank you.

  29. Layla and Liyah
    July 28, 2021 at 1:50 pm

    Hello, I've a question.
    I have two CC reported as bad debt (Charged off/closed)
    I contact the bank & they stated I cannot pay through them but they're still the original/current creditor and the collection agency is apparently helping them collect.

    Well according to my credit report the bad debt isn't in collections. What is the 1st step in getting this resolved and off my credit report? I would love to buy property but these two CC are hurting my credit tremendously. Please help! Should I send a verification letter to the collection agency? (Pay to delete)

  30. MoMo Love Yard Cards
    July 28, 2021 at 1:50 pm

    Opinions are like booty holes…
    We all have them and some of them stink.

    Please continue to be YOU and provide this information to the Village please and thanks 😊

  31. MoMo Love Yard Cards
    July 28, 2021 at 1:50 pm

    Info always good. Learned these tips years ago. I just got on the train of improving my credit by purchasing a secured credit card. I have 2 recurring charges on it that are less than $30 dollars and have seen my credit score go up 30 pts. However, I'm still getting credit card apps with 25.99% APR. Is this because I still have collections on my credit report? Or not enough credit history?