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george george george of the jungle how do you defeat that wascoe wabbit the collection agencies when they put something against you on your credit report well that's we're going to be discussing in the creditjungle.com today this is george anderson and in another video i discuss how to deal with negative items on your credit report including collection accounts going through the credit bureaus that's one channel that you can go through but what if the accounts already paid well you don't really have any leverage if you already paid it and it's on there and it's just showing a zero balance it's still hurting your credit report the reason it's hurting your credit report is because after you paid it it went from maybe being a one-year-old collection account with a balance on it and based on the last date reported and when they update the dates on there on the credit report instead of being an old collection account with a balance now it's a brand new collection account with no balance so...