You can write a good faith letter to lenders to ask them to remove the mark off your report and continue to make on - time payments on all other accounts. (investopedia.com)
Under such an agreement, you pay the balance of the loan and the lender removes the mark. (mybanktracker.com)
If the cat is not spayed or neutered, that is the first step to remove marking triggers. (tampabayvets.net)