Wipe collection accounts off your creditSettling past due balances won't simply fix a low score

From the show

The Insider Playbook

Discover the leverage required to permanently remove derogatory marks when dealing with third-party agencies. A paid status does not clear your history, meaning the financial damage remains even after you settle up. By withholding your lump sum until a formal agreement is provided, you ensure the trade line is completely scrubbed from all bureaus.