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Credit Repair Removal of Paid Collections?

Hi, hopefully someone can shed some light on my dilemma. I have an old collection agency mark on my credit report 11/2001. This was a $90 debt that I was a few months late on paying, in turn it was reported to an agency and put on my report. Since then I have only one other negative mark on my report (60 day CC late payment). Anyway to no avail I've tried to get this off my report. Has anyone tried to contact their original creditor or the collection agency with the purpose of requesting removal? I've seen instances where people have bargained for collections removal for full payment, but in my case I paid them almost 6 years ago.
Any help or insight would be appreciated!

-Josh

as long as it was latew, it does not have to be legally removed
old charges that have been made must be removed, but not their late status, that can stay
BTW NEVER bargain with company to remove in exchange for payment in full UNLESS you get it writing
over the phone does not count
and you need PROOF that the debt collector indeed has OWNS the debt outright and that if full payment is made the debt will be retired..
other wise a settlement ( less than amount owned ) does not constitute payment in full and therefore the debt can be reactivated later

write a letter like this, send it certified with retun receipt

Month Day, 2007

Dear _____________________:

This letter is being sent to you in response to a notice sent to me on Month Day, 2007
. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for 鈥渧erification鈥?or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:
鈥?What the money you say I owe is for;
鈥?Explain and show me how you calculated what you say I owe;
鈥?Provide me with copies of any papers that show I agreed to pay what you say I owe;
鈥?Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
鈥?Prove the Statute of Limitations/UCC has not expired on this account
鈥?Show me that you are licensed to collect in my state.
鈥 Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau鈥檚 (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
鈥?Violation of the Fair Credit Reporting Act
鈥?Violation of the Fair Debt Collection Practices Act
鈥?Defamation of Character

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that your offices make no telephone contact to me at my residence or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records; any information obtained shall be used for that purpose.

Regards,

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You paid the bill, so you've already accepted it was a valid debt, so the above answer won't do much for you.

Under FCRA the credit reporting company (collection agency, original creditor, etc) is REQUIRED by federal law to update with the credit bureaus to show the accurate status of your account. Meaning, if it's paid in full they are required to report as paid in full. If settled for less than full balance, they are required to report as settled for less than full balance. If the bill was 60 days late, then thats how it should be reported.
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