| There are a number of ways in which you can have a | | | | collections charges on your credit report is that they |
| collections agency reporting to your credit report. Most | | | | will have 30 days to respond to the dispute, otherwise |
| of the time it's due to past due bills that were either | | | | it's marked as invalid. Most companies will respond to |
| overlooked or just never paid. You should know there | | | | these disputes so all you will need to do is to negotiate |
| are ways that you can try to fight this to attempt to | | | | with these collection companies and let them know |
| raise your FICO score. This will in turn raise your buying | | | | you will pay off your debt sooner if they can remove |
| power because you'll be able to borrow more if you | | | | this from your credit report. |
| need to. | | | | What you should understand is that collection agency |
| Every person has the ability to get one free copy of | | | | reps main goal is to get you to pay off the debt. So |
| their credit report each and every year. All you have | | | | getting them to remove this shouldn't be a problem if |
| to do is make a request for it and it's available to you | | | | you can work out something with them to pay off |
| either by mail or within a few seconds online. Most | | | | what you owe. |
| people don't understand that you can dispute charges | | | | Remember that 1 in 4 credit reports contain some sort |
| on your credit report. | | | | of error that could be lowering your credit score |
| What happens when you dispute these different | | | | without you knowing it! |