Did you know the unpaid tolls can go to collections just like any other type of debt?
Not paying on a toll road can have severe consequences for your credit report.
As long as EZ Pass Collections is on your credit report, it can lower your score and hold you back from getting the financing you need.
Many consumers don’t realize that simply paying off their debts does not automatically mean collections entries will be removed from their report.
Instead, you should use one of the strategies below to ensure that EZ Pass Collections gets removed ASAP.
How Does EZ Pass Collections Work?
When you skip out on paying a toll and the government is unsuccessful at trying to collect payment from you, your fines will be turned over to collections.
Collections agencies may call, leave messages, and mail letters to you in an attempt to collect on debts.
Even worse, a collections account will be added to your credit report, where it will stay for 7 years.
Collections accounts can be detrimental to your credit score, especially if you have multiple entries.
While paying your toll and associated fines might seem like the best way to get the entry removed from your credit report, there far more effective strategies.
Read on for the three best ways you can get EZ Pass off your credit report.
If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.
How to Contact EZ Pass Collections
Collections agencies get a bad rap for how they communicate with consumers.
Oftentimes, these complaints have to do with the agency’s aggressive collection attempts, failure to validate debt, and inaccurate reporting.
To see what customers think of EZ Pass and other debt collectors, take a look at the Better Business Bureau and the Consumer Financial Protection Bureau.
You should read up on the basics of the Fair Debt Collection Practices Act.
The FDCPA limits the hours during which debt collectors can contact you and keeps them from sharing your private information with other individuals.
Additionally, it allows you to set the terms of your communication with an agency.
Communicating with debt collectors by certified mail is always the best strategy.
It provides you with clear-cut documentation of your entire case, which can be valuable as you try to get the collections entry off your credit report.
3 Ways to Remove EZ Pass Collections from Your Credit Report
Until you get it removed, a collections account will continue to wreak havoc on your credit report for 7 years.
Here are the three best ways you can get a collection entry off your credit report.
1. Mail a Debt Validation Letter
Reporting errors happen. EZ Pass could have ended up on your credit report due to a reporting error.
When that’s the case, getting it off your report should be simple. You just need to write a debt validation letter with a free template.
Thanks to the FDCPA, if you contact a collections agency within 30 days of the addition of their entry to your report, they must provide you with the validation of the debt.
Luckily, this strategy can work whether you owe an agency money or not, as they don’t always have the documentation they need. It’s worth a shot.
If EZ Pass can’t prove that the debt is legitimate, they’ll have no choice but to have it deleted from your credit reports.
Your report should be updated promptly if the agency is unable to provide validation.
2. Propose a Pay-for-delete Agreement
Whether 30 days have come and gone or your debt validation attempts were not successful, you may need to pay E-ZPass.
Fortunately, you can often get a collections entry removed without paying the full balance on your account.
Keep in mind that merely paying what you owe to a collections agency will not get them off your report.
Instead, you need to get the agency to agree in writing to have the entry removed.
Submit a letter to EZ Pass offering to pay a certain amount if they promise to have the entry removed.
You can often negotiate a lower rate. We recommend starting at 30 to 50% of what you owe.
Once again, keep track of your credit. Your report should reflect your payment within 30 days.
If it doesn’t, you need to reach back out to EZ Pass to ensure that the entry is being deleted.
3. Hire a Credit Repair Company
You can probably get a collections entry removed from your credit report on your own, but you’re not alone.
If you need some assistance, you should reach out to a credit repair company.
You can leave all the stress of mailing letters, seeking validation, and negotiating payments to the pros.
They will hold the agency to the standards of the FDCPA and help ensure that collections entries don’t do more damage to your credit than they already have.
Moreover, they can help with a slew of trying credit problems, like:
- Charge offs
- Identity theft
- Hard inquiries
Skim through our list of the best credit repair companies to pick the right fit.