If you offered to pay in full in exchange for negative information being taken off your credit report why would every collection agency you owe say they cannot remove the information?
Valid negative entries on credit reports cannot be removed until
the time limit for expungement is reached. Creditors/collection
agencies CANNOT remove the entry. Companies that claim they can
clear a credit report of valid negative information that has not
exceeded the prescribed time limit (usually 7 years) are, quite