| Collection accounts can do damage to your credit | | | | on your credit report as not paid and in collections. The |
| rating and scores, especially the more recent ones. If | | | | dispute letter should be all you need to get it deleted. |
| you are thinking about making a purchase such as a | | | | It is also possible that you might have fallen on hard |
| car, home or even credit card account, it is a good | | | | times and lost your job which meant paying your |
| idea to remove these negative collections from your | | | | account on a monthly basis impossible, and the |
| credit report first. | | | | account was referred to a collection agency. |
| The strategy you would use to remove collection | | | | Depending on how old the account is, you can still |
| accounts depends on the account itself. For example, | | | | have success with the dispute process. |
| you might have collection accounts that are complete | | | | Remember that the burden of proof is on the |
| errors on your credit report that you do not own and | | | | collection agency and credit bureaus, this simply means |
| have nothing to do with you. A simple dispute letter to | | | | that they need proof to validate your account which |
| the credit bureaus including your identification as proof | | | | could be a signed document or something of that |
| that the account is not yours should do the trick and | | | | nature. It's a known fact that a lot of collection |
| have the account deleted. | | | | agencies do not keep good records and cannot furnish |
| The same applies to collection accounts that you | | | | such information on accounts they have purchased. |
| previously paid but for some reason are still showing | | | | |