<prompt> Human: I recently was able to borrow money loan from my parents to get my accounts in order since I was unemployed for that last few months. I recently called a collection to get it paid. Now it is still showing on my credit report. I was told that I was going to receive a letter showing the debt is resolved and have not received anything yet. I was also told to go and dispute the account on credit karma; however, the options they have I am not sure what to use when disputing this account. Did I do something wrong in this process?  <response>: Paid collections stay on your report for the full 7 year reporting cycle. Paying them does not delete them. Paying them does not increase your credit score.I personally would NEVER pay off a collection unless 1 they were actually suing me or 2 they agreed in writing to delete the entire collection from all my reports.You cant dispute a paid collection, its correctly reported. 