Original creditor vs. Collection Company

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      My sister has a late payments with HSBC who latter sold the account to a collection company. How do I deal with these 2 derogatory items on her credit. Do I pay off the collection company and receive a deletion letter, or do I pay HSBC for the deletion letter. My goal is to have both items deleted but I’ m confused on how to go about it. Can someone provide me a blue print on how I can achieve this from their experience. Thanks.

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