| There are different strategies you can use to clean up | | | | them with the collection agency in exchange for a |
| your credit report, the key is to understand the route | | | | deletion. |
| that is best for you. The first step to knowing the | | | | It is important that you have it in writing that the |
| correct route is to find out what is on your report. | | | | collection will be deleted if a settlement agreement is |
| Once you have an idea of what is on your report you | | | | reached. You can also try challenging collection |
| can begin the process of cleaning your report. If you | | | | accounts with the credit bureaus as well, some have |
| find that you have a lot of errors on your report, the | | | | had success deleting collection accounts due to the |
| process of challenging them with the bureaus should | | | | companies not maintaining good records. |
| work to help remove them. This method should be | | | | I would also suggest applying for a secure credit card, |
| effective because your challenge is going to begin an | | | | this helps to begin re-establishing your credit rating. A |
| investigation where the credit bureaus have to obtain | | | | portion of the formula for good credit takes into |
| proof that the account is yours. | | | | account the number of open accounts that you have. |
| Because the account is an error, they should find no | | | | You will ultimately need a credit account that you use |
| proof and in turn delete the account from your report. | | | | and is in good standing in order to regain a good credit |
| On the other hand, if you have a few collection | | | | rating. |
| accounts you might want to see if you can settle | | | | |