How To Remove Collection Accounts from your credit report

Collection accounts can remain on your credit report for 7 years from the date of the first missed payment that led to the collection (the original delinquency date).

If you paid your collection account or negotiate with the collection agency. Let them know that you intend to pay. You can try, less than the full amount if you want to negotiate. The important thing is to arrange them in order to remove the item from your credit report. And 'this agreement shouldin writing before sending your payment.

Data Collection Tools

If you have already paid a collection account in full and the item remains on your report. It is said that the entry with the credit bureaus dispute by mail. When a collection account is paid in full, will be "paid collection" will be marked on the credit report. It is not removed from your report and it is still considered a negative account. For this reason, I want you to have the account removed from your credit report.

Always remember that the burden ofThe test is based on the credit bureaus. You have nothing to show them. You have to prove to you that the account belongs to you. Simple argument by saying something like "Please provide documentation that the following account on my credit report and my right is not violated. Unsubscribe otherwise damage the data immediately:" It 's all you have to say. A row. The credit agency must then conduct an investigation, have 30 days to do so. If the collection agency does notCurrent account (in most cases can not), then they need to remove the collection account from your credit report.

How To Remove Collection Accounts from your credit report