I’ve outlined some effective ways below to remove collection accounts from your credit report.

Demanding the collection agency to remove debt collections, even medical collections, from your credit report should be the first thing you try. By following the steps below, you’d be surprised how often this method can work.

How I Got Collections Removed From My Credit Report

When I was in college I got a cellphone with Sprint. The phone service didn’t work well so I switched to Verizon but forgot that I owed Sprint a payment. Long story short, it ended up going to Sprint collections and showing up on my credit report. I went ahead and paid the collection.

The entry showed up as a ‘paid collection’ on my credit report. Here is how I got it removed: I mailed the collection agency a “goodwill letter” asking them to remove the paid collection. The best way to write an effective goodwill letter is to use my sample goodwill letter template.

Advanced Method to Remove Collections From Your Credit Report

When a goodwill letter fails to get the debt collection removed from your credit report, the next thing you should try is the advanced dispute method.

For this method you will need a current copy of your credit report. TransUnion will provide you with all your credit reports –plus they include your credit score for free.

Once you have your credit report, find the entry of the collection you want removed and verify every piece of information that is listed. If you find anything that is inaccurate, note it. This method works because rather than simply disputing the entire entry, you are going to write an advanced dispute letter that lists specially what is inaccurate.

Check the following items on the collection entry for inaccuracies:

  • Balance
  • Account number
  • Date opened / Date closed (check all dates)
  • Account status (e.g., Closed)
  • Payment status (e.g., Collection)
  • Credit Limit
  • High Balance
  • Anything else that appears to be inaccurate

After you have noted the inaccuracies you found, use my advanced credit dispute letter template to write your letter. Using this letter, you will demand that each piece of information be corrected or that the collection be removed. This makes it more difficult for the credit agencies to verify the collection, and hopefully result in them simply removing the collection altogether.

Have a professional remove the collection

Lastly, if you’re the type of person who would rather have a professional handle it and just be done with the whole thing, I suggest you check out Lexington Law Credit Repair. They’ll take care of you, and honestly they usually get stuff removed a lot quicker. Give them a call at 1-844-764-9809 or Check out their website. (They are open on weekends)