| Collection accounts are one of the more common | | | | report. |
| negative entries on credit reports. Most collections on | | | | Mistaken Identity- It is estimated that a good number of |
| credit reports result from past due accounts that have | | | | credit reports contain errors, and it is not uncommon |
| been sold to third party collection companies for a | | | | for someone with the same name as you to have |
| fraction of the original debt owed. In this article I will | | | | their collection account showing up on your credit |
| give you methods to have such accounts deleted | | | | report. In this case you can have the account deleted |
| from your credit report to improve your credit rating. | | | | with a simple letter to the credit bureaus. |
| There are two main reasons you may find collection | | | | You want to send them a letter referencing the |
| accounts on your report, either it is a case of mistaken | | | | account in question on your credit report, send them a |
| identity or you were not able to make payments on a | | | | copy of your ID with your signature as proof that you |
| credit account and the account was referred to a | | | | do not own the account. Upon receiving your letter |
| collection agency. In either case there are steps you | | | | they need to investigate your claim and have the item |
| can take to have the items deleted from your credit | | | | deleted if no proof is found that the account is valid. |