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Hi,

A $ 70 AT&T collection showed up in the last couple of weeks reducing my credit score by 80 points.

I have had nobody chase me for this money and would not have known about it had it not been for a change in my credit score. The “debit” is around 18 months old, even though it just showed up on my credit as a collection.

AT&T said they’ll fix it. ….will pull a/c back from collection agency and have deleted from my credit report.

Assuming no other negative items in the 4 weeks or so that this occurs, should I expect / assume my score to increase 80 or so points?
Sorry let me add to this, I ask if my score will increase if I “pay the collection”….but in actual fact, AT&T have said that although this $ 70 is indeed outstanding, they will wave it and I don’t need to pay hence they are acknowledging wrong doing on their end?

3 Thoughts on Credit score increase if I pay collection?
  1. Reply
    John
    November 9, 2011 at 12:55 am

    Ask lenders for agreement to delete this items from your credit report when paying them. I recommend to get such agreement thru credit repair agency, for example this one – credit-report-free.totalh.com

  2. Reply
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    November 9, 2011 at 1:40 am

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  3. Reply
    Sharron
    November 9, 2011 at 2:21 am

    Paying collections doesn’t change their delinquent status with the Credit Bureau. Generally you have to negotiate a “Pay For Delete” Agreement directly with the creditor.

    If AT&T said they’re going to waive it and remove it from your credit report, I’d ask for something to be sent in writing to confirm just so you have legal protection in case they try to enforce the debt down the line.

    If the item is removed from your report, your score should go back up.

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