I had an account with springleaf about 15 years ago, all paid for and it still appears in my credit today. They remove the item just to post back in a short time and specially when I am trying to purchase a new home and they are costing my family thousands of $. I have spoken with them and the talk to you like it is not their problem and of course it is not because they know it is not their problem. User's recommendation: Springleaf don't care about you so don't deal with them.