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Jan 23, 2012 at 21:08 vote accept NeedAdvice
Jan 10, 2012 at 18:39 comment added Sean W. The debt being paid in full and "pay-to-delete" are quite different. A debt may be marked paid in full on the credit record and that same record may still show that the debt was previously delinquent (very bad) and that the person was sent to collections (also very bad). Go for deletion.
Jan 10, 2012 at 15:51 history answered JohnFx CC BY-SA 3.0