Collections Removal in Chicago, IL

If you're a Chicago resident dealing with collections on your credit report, The Credit Repair Guy can help. We specialize in collections removal for clients throughout Illinois.

Collections can significantly damage your credit score and make it harder to qualify for mortgages, auto loans, credit cards, and even apartments. Our proven dispute process leverages the Fair Credit Reporting Act (FCRA) to challenge inaccurate items with the credit bureaus.

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.

Ready to get started? Schedule your free credit consultation and let our team show you what we can remove from your credit report.