hey guys, i had a late payment and i paid them off after more that 120 days after a collection send me a letter, but the problem is , i already made  a full payment to the collection but my all 3 credit reports shows that i have red mark showing i had late payment called Key Derogatory . i talked with the collection , they told me that they can't remove that record from credit history. but i thought that once all amount has been paid off, the record from credit history will be removed... so is there any way how we can remove the red mark???