credit rating
ToiletDuck:
There are two things you can do. The first is to challenge the debt. Contact the credit agency and tell them you want to dispute the debt. The original creditor will have 30 days to respond. If they do not respond within the 30 days, the debt is removed from your report. You may have to repeat this several times in order to insure that the bad debt is removed.
Your second option is, that if it is a legitimate debt and it is paid in full, you can request a deletion letter from the original creditor. By law, the original creditor must show good reason as to why the debt should remain. Since it is paid in full and they have received payment, why should you be penalized any further.
Hope this helps.
atp