better make sure they erase the Credit Bureau record. else if
you want to take housing loans, car loans etc, you will have bad
credit rating and not get approved. This is serious. And credit
ratings only updated twice a year. So I suggest you pay a few
dollars to double check with Credit Bureau on your credit
status.
Usually bad credit log with credit bureau only if missed payment
by certain amt or frequency. But it's not a bad idea.