Recall Collection After Payment

Seen and read a lot of good info on collections. Wish I’d read prior to paying the one I had off back in fall of 2025 but here we are. Had a leftover $99 bill from Progressive that ended up with Caine and Weiner in collections. Paid it off without ever having heard the term pay for delete. It’s dragging down my mortgage credit scores though so looking for the best way to get it removed. Is it ever worth it (or even possible) to ask a company to recall a debt that had been sold to a debt collector and paid off? Can try asking Caine or disputing it with the agencies, but given that nearly all our insurance is through Progressive, they’re the only ones that actually have anything to lose, which is obviously us as customers.