I'm not quite sure what to do about this anymore. I have a great credit history except for 1 glaring mistake. I have disputed it twice (to no avail) once through the computor (a big mistake) and once through a letter. The collections company will not remove it from my credit report. It is a paltry amount that they claim I owe (less than a hundred dollars), but I know it is a mistake. I called the business when the alert 1st appeared on my credit report and they said my account was closed and owed nothing. I was permitted to close my account with the company when I moved, so how could I close the account if money was still owed?I have recently sent another letter pleading that they take this alert off my credit history so I can get loans for medical school. I even said I'd pay what they say I owe if they will just remove it from my credit report. I know they have the power to do it. I have heard nothing back. My fico score is low because of this one blemish. Every other piece of my credit history is perfect. I have read that just paying off a "debt" when you have supposedly owed it for a long time won't necessarily improve your fica score. Anyone know the pros/cons of just paying it? Not sure what to do. . .