Welcome cribbin
Good job so far getting your score up!
There are some things that are just really tough to remove.
1. If this is a medical collection, you should try the HIPAA process. It will almost guarantee to get the CA off. Many have used this route and had great success. You would have to pay off the debt though. Read
here......and then let me know if you have any questions.
2. Is this reporting correctly? Since you have paid them.....you don't have as much leverage to get it off........but it is possible. My strategy with paid collections is to be a pleasant PITA.
Basically, calling them and asking why this hasn't been removed yet (be polite and stay calm) because that was the deal you had made (right?
). Keep after them......call them every day if you have to and see if you can get on their nerves enough to make them want you to go away. Plus in the meantime, keep disputing it.
*p.s. a lot of CAs will say it's illegal to delete TLs.......and that's BS. It's totally voluntary to report to CRAs..........OR they could simply NOT verify the TL the next time you dispute it.
3. I can tell you right now, Crap One will be the hardest to get off. You need to look carefully at the way they are reporting (post it if you want to - just leave out personal info) and find errors.
With 4 & 5, it's the lates you need to get off. You can try disputing the lates if you haven't already. The other thing to try is a goodwill letter. You need to be persistent with these. Some people have had to write several letters before finding a sympathetic ear..........and some have even found the CEO or President's address and sent them letters. It can be done.
Hope that helps some.