Collections Removal Services

A collection account appears on your credit report when an original creditor (such as a credit card company, medical provider, or utility company) gives up on collecting a debt and sells it to a collection agency. The collection agency then reports this debt to the credit bureaus as a separate account, often in addition to the original delinquent account. Collections can result from unpaid credit cards, medical bills, utility bills, cell phone contracts, gym memberships, and many other types of debt. Even small collections of $50-100 can significantly impact your credit score.

We analyze your collection accounts to identify potential violations of the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). Many collection agencies fail to maintain proper documentation or report inaccurate information. We challenge these accounts by requesting debt validation, disputing reporting errors, and citing specific legal violations. If the collection agency cannot provide proper verification within 30 days, the credit bureaus must remove the account from your report.

Collection accounts are one of the most damaging items that can appear on your credit report. When an original creditor fails to collect a debt, they often sell it to a third-party collection agency. This collection account then gets reported to the credit bureaus, creating a new negative entry that can drop your score by 50-100 points or more. Our collections removal service helps you dispute these accounts and potentially have them removed from your credit report entirely.