The credit bureau will do one of three things. They will show it as paid in full, settled(for a lesser amount than the full balance), or they will remove it(pay

The credit bureau will do one of three things. They will show it as paid in full, settled(for a lesser amount than the full balance), or they will remove it(pay for delete). Although the credit bureau will state openly that deletion is not a possibility unless the account is not yours. If the debt is disputed as ”not mine” the collection agency will be contacted to ask for verification of the debt. If the agency says no go ahead and delete it, well you got your “pay for delete.” Keep in mind paying a collection off may not increase you score and in some cases may lower it. Getting it deleted is ideal, but the collection agencies should not be doing this(its in the agreement the collection agency makes with the credit bureau).