How likely is it to get small bills that have gone to collection REMOVED from your credit report?
I’ve heard that when you have a bill that has gone to collection that sometimes you can work out a deal with the collection agency where they can actually remove it from your credit report all together if you pay x amount.
I have a few bills in collection but they are very small, like $ 20-$ 50 so it’s pretty annoying such a small bill is hurting my credit score. I was wondering what the likely hood is of convincing these collection companies to completely remove the bill from my credit report if I pay it off in full?
Also if I’m able to do this how long does it typically take to disappear from my credit report.
At first attempt if they don’t agree to doing this should I just tell them that I won’t pay it then. None of these bills are increasing so technically there isn’t much incentive for me to pay them off. Whats the best approach when trying something like this, should I play hardball or should I tell them some sob story about how I really need my credit score improved or what ? Or do I even need to go through all that ?
Thanks in advance!