I received a note from a lender about a debit I had with GAP. It was completely unintentional and I didn't even know about it until then. The firm is in MS and I was living in CA at the time, while GAP store was in NY. I decided to pay because I was moving to Europe and did not want to have issues, but I noticed that the record is still on my credit score. Is it still possible to do anything to have it removed?
A single, small item isn't going to destroy your credit, especially if you pay. However, before you pay it, get it in writing that your payment fully satisfies the debt and they will mark it as such on the report.
You can also ask to have it removed, but even if they don't your credit score will recover quickly.
Don't do it again however, because multiple items will cause you bigger problems.
It's generally too late once it's on there.
However - you can always ask to have it removed. If handled diplomatically on your part, you just might come across one of those credit agencies that are happy to help you out. Ask.