bad credit that has been paid off, come off my credit report

if the PIF debts don't come off soon, you may want to get on line and 'dispute' the debts amount with the Credit Bureau. If you have proof of the PIF accounts, I would send them in. OR..maybe you can fax them to the CB. The CB should do an investigation and they will send you an 'updated' Credit Report. Hope this helps.

You need to call the collection agency or creditor to have them remove it. If they don't you need to dispute it with all 3 major credit report agencies.

Will creditors take off bad credit that has been paid off if I ask ?

Yes but it can stay on your credit report for up to 7 years before removal. Collection accounts usually drop off after they are paid dependent on the CRA policies.

When did you pay off the debts?

If paid off then why does it stay on the Credit for the next 7 years....

[font=Arial][/font][color=DarkBlue][/color]In my experiences, the collection accounts will still show as a negative when paid off unless the agencies agree to delete them when paid in full. It will show like a slow pay or a delinquency with a zero balance. Although it still helps to pay them off as it helps your debt to income ratio.

I am learning not to pay of a collection account until I have a written agreement from them stating that they will remove the account entirely or mark it paid in full and delete any negatives (past dues, etc).

GL
Chrissy

At least i paid them.