I had an account in collections that I did not even know that was there until I pulled my credit report and I payed the full balance. Now it says it’s PAID/CLOSED but it still on my credit report. When does this come off my credit report? Or should I say how long does this take to come off my credit report?

I need to repair my credit and need someone who is experienced and knows what he is doing. Im in southern California, can anyone recommend someone?

If I were to apply for pre-approval for a mortgage twice in the same week would it count as two credit inquiries on my credit report or just one? For example- I expect to buy a home priced at about $70K so I apply for pre-approval and am accepted. 3 days later I find a home that is $75K, like it much better than anything at $70K, and know that I can afford it if I cut out the daily cappuccino. When I apply for approval for 75K does it count as a new inquiry on my credit report, potentially lowering my score, or is it overlooked due to the same inquiry within a week from the same bank?
Prices used in the example are meant to reflect offer prices….
I can’t see why a bank would draw a second report if I was meeting directly with a loan specialist. My question is geared more toward applying online. Do you suspect that they draw a report each time? This doesn’t make much sense to me….if you apply at 5 banks for a mortgage to compare rates that is 5 inquiries which won’t come off your reports for 2 years= bad,bad,bad

these days who offer to combine your bills to make it easier for you to pay off your debts? And if not, which group would you suggest a person in financial trouble see?

They say that in California at least, that we can get one free credit report per year. How do I do that? tyvvm

i’ve made payments to freedom debt relief for about a year and half..i can’t afford it anymore i still have about year left to pay off everything…

I need a Quick loan to help me out. any websites or places can i go for a loan? Do you know what website to get bad credit cash loan without a lot of difficult requirements ? Thanks