Bad luck, trying to remedy.

Since the original lender does not currently hold my debt, is it possible to have the strike to my credit report removed?

No, it's not. The debt is now owned by the collection agency and they're very unlikely to care about your credit since many of them are felons and thugs themselves. Pay off the debt and take the hit.

I once had a medical bill literally sent to the wrong address and went into collections. I came up with proof to show that the original bill was mailed incorrectly, and the collections agency still refused to remove the hit from my credit report. They literally laughed at me on the phone when I was trying to explain what happened, they're some heartless assholes.

/r/personalfinance Thread