request a removal.
The most common and effective way is to call the original creditor and ask for a goodwill adjustment. If they resist, you can try negotiating the removal of the late payment by agreeing to sign up for automatic payments. For other late payments, you can file a dispute against the late payment for inaccuracy.
Remove a Collection Account
If you have a collection account on your credit report, your goal isn’t to just pay it off. You need to get the collection removed. Never, just outright pay a collection. A paid collection usually doesn’t help improve your credit score at all.