In my experience it is possible to remove collections from your credit report. A collection account, even paid collections, on your credit report can severely lower your credit score and in many cases even prevent you from obtaining a mortgage or auto loan.
How I Remove Collections 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 because I thought that would also remove it from my credit report. However, it wasn’t removed, it was just changed to “paid collection”. My credit score was still taking a hit, so I followed these steps to get it removed.
1. Request a Goodwill Adjustment from the collection agency
The first step is to mail the collection agency a “goodwill letter”. This is basically a letter that explains your situation, such as you want to purchase a house but can’t because of the collection on your credit report, and you’re kindly asking that they remove the collection out of goodwill. I know this sounds like a long shot, but it works surprisingly well. The best way to write an effective goodwill letter is to use my sample goodwill letter template.
2. Dispute the Collection Using the Advanced Dispute Method
If the 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.
3. Demand That the Collection Agency Validate the Debt
If you’re unable to find any inaccuracies on the collection entry on your credit report, next you should write the collection agency and demand that they validate the debt. Under section 809 of The Fair Debt Collection Practices Act, collection agencies are required to validate debts they are attempting to collect if you request that they do so. The rub here is that you only have 30 days to make the request after their initial contact. If they are unable to validate the debt, you can ask them to remove it from your credit report.
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)
Hi, my name is Sabrina. I’m from Wisconsin. I became a home owner in October 2014, prior to October 2014 my fiance and I rented a townhouse. When we vacated the rental, we left a forwarding address with the building manager and had given it to the landlord as well. Along with this landlord already had both our phone numbers; and we also put a change of address in with the Post Office, which is still forwarding mail to us to this present date. My point of all this is, The landlord told us it wasn’t clean enough when we left and was going to be sending us an itemized bill. We waited and never received nothing. March 7th 2015 rolled around, and we received mail from Mutual Management, A collection agency for a large bill. So, I sent a debt validation letter to the collection agency. Now, in June 2015 I obtained a copy of my credit reports, and There is a collections account reported on my credit. How is this possible? The landlord never gave us an amount to pay and went straight to placing into collections after 5 months. HOW do I get this removed from my credit? I was told by lawyer that she was required to bill us/send us bill within 30 days; which she never did. Now my credit score dropped 60 points, after I’ve been working this long to keep my credit in good standing.
I’d dispute it with the credit bureaus
It’s ready bad how this medical providers get away with inflated bills and dispute with insurance without informing the account holder ,my bill was sent to collection after my insurance didnt provide for all the bills,I got to know very late and tried to work out a payment plan with the collections but was too late. This really affected my credit score and affected my getting a mortgage loan very badly,till my account officer advice I contact an hacker who was able to help me repair my credit score for 587 to 761 in just three weeks.hackhemp(@)gmail(.)com cleared my collections and repaired my credit successfully ,this could help someone here.you can thank me later.
Just type a letter saying that the account was satisfied and sign it in the old landlords name! Fax it to the credit reporting agencies and they will remove it. Just like that! The landlord won’t know plus nobody will check to see if anything is paid anyway! Solo many people are doing this! It absolutely works like a charm! Evictions too! Works every single time!! Good luck!
I applied for a 13 with my ex in 2009. We converted to a chapter 7 in 2010. My ex got a discharge in 2011. I got a dismissal because of the date. The 7 date was 2009—not 2010 when we converted. That was too close to my last chapter 7 in 2002. Our lawyer should have stopped the 13 and filed a new chapter 7 with a new filing date.
Now I am trying to buy a home. My score is 10 points from 620/traditional. I see the credit agencies put discharge, not dismissal on my reports. Do I tell them to fix it? Will this kill my score and my chance of a home loan?
So I disputed a collection a few weeks ago and now it has been removed from my credit report when will it show back up?
What makes you think it will show back up? It probably won’t.
Hi,
I am trying to clean up my credit report and have some small medical bills that have gone to collections over the course of a few years. Do I try and get the original drs to remove or it’s up to the collections agency at this point? if I paid a collection on a cell phone is there any chance they will remove after the fact?
Thanks for your help!
If you’ve already paid it over the phone, you probably won’t be able to get it removed. It’s always best to pay the debt only after the collection agency has agreed to remove it from your credit report in exchange.
If they agreed to remove it after payment over the phone and did not. How do I dispute it?
Hi Ryan, I recently just paid 2 unemployment over payment liens, and recently received the Notice of satisfaction from the state. What are the steps on requesting the lien’s to be removed from my credit? Thanks
About 3 years ago I paid all my credit cards off to buy a home. Now I have enough money saved for the down payment. The mortgage broker told me that there was a collection from a debit collection Co. For Walmart card which was one the credit cards that I paid in full. The funny part is that when paid it off the bill was under $2000.00 now it’s on my report for over $5000.00. So this is bring down my score. I understand there are fees and intrest but thats more than double in 2 years. Another thing this hasn’t been on my report until I stated looking for a mortgage. How can I get this fixed. I just want to take them to court. What form or forms would I need to start the process?
I have a Sprint bill that has been sent to collections and is now showing on my credit report (dropped my credit score significantly.) It started when I switched from sprint to another carrier-this broke the contract and they sent me a “final” bill. I never received notification that the bill was going to collections. I have doubled and triple checked to be sure that I did not miss a piece of mail somewhere along the way. This is all fairly recent as the final bill was sent no more than 2.5 months ago. Long story short, I was denied an auto loan due to this and I really need to get this off my credit report. Step by step what should I do? Good will letter first to the collection agency, and then a pay for deletion if that does not work? I am willing to pay, just need some guidance on the best sequence of action. Thanks!!
Rachel, did you have any luck with resolving this issue? I have an almost exact scenario and am curious if it worked out. Thanks.
Same thing happened to me. I never signed or agreed to any contract when I got Sprint service. The store manager said they had an employee sign peoples names to their agreement to the exorbitant early termination fees. Now they sent it to collections, the agency won’t validate it or show me where I agreed to pay the amount they are billing for… I want to know what to do now…
I have several things on my credit, a few medical, 2 credit cards and a car loan that had to go back do to going into the hospital. I want to pay what I can off which would be 3 or 4 out of 7. Should I use a professional to take care of what I can? If they are removed will my credit get boosted ?
Yes, that’s one option. Your credit score would go up if negative items are removed.
hi i have a late payment sprint bill so im in collection some one have the number or where i can call for pay the pill?
877-220-3565
My husband has a few things on his reports. They are loans we had when we were stationed overseas. He was medically discharged but the items went into collections because we were unable to pay them anymore. Is there any way to get these removed? He had perfect credit until this happened. We would like to buy a house and are back on our feet but his score is keeping us from obtaining his VA loan. What would you suggest?
Hi Ryan,
We are currently in the same exact situation with Sprint and are in the process of buying a home, we need this issue resolved like yesterday, how long did it take for Spring to remove the collection?
Can I get a emergency bill removed from my credit report from aug 1 2010?
Yeah, if you follow the steps I outlined
Hi I’ve had a charged off account on my credit report & it have been marked as derogatory what can I do to get it removed from my credit report?
Ryan, I need your advice. I have very very poor credit. I am 55 years old and have had bad credit for decades now. And I do notice even my “write offs” still are on my credit report. How can I get the creditors to drop my old charges that I would never be able to pay? How can I get the negatives and judgements off my credit report so that I can up my score and not have the stress in these later years of my life? I just have very poor credit and lots of judgements and negatives and would like to make them disappear but how do I even start to do this????
Hi. I recently paid off a collection. I have a pay for deletion letter from the collection agency. It’s been over 30 days. How long does it take to come off my report? Also, another collection agency refused my pay for deletion offer and said they can only update my status as paid. What can I do?
I paid off a 2nd mortgage 6 years ago through a short sale house was in CA and just found out the original bank/credit union was sold and they have sold the info to a collection company for a loan they accepted a short payoff on I sent the collection co the final closing statement and they said they will work with the back to make sure it was paid so it can be removed from my credit report if they don’t how can I get it removed cause it was paid in a short sale.
I keep paying off debts that are on my credit report then 6 months later that same paid debt shows up after another debt collector buys it. It’s all a giant scam the credit reporting companies are loyal to the debt collectors and business because that’s how they make money. They say you can dispute it which is another scam all the reporting agency does is ask the debt collector who is usually a criminal if it is valid and if the collector replies yes with 30 days we’ll that’s good enough. Why can a company put information about you that harms you without a shred of evidence. Most people think if they dispute the debt that the collector must provide proof i.e. A signed agreement or something they don’t have to provide anything. Then they say take them to court. That’s crazy like people are going to spend thousands of dollars to remove a account that’s one or two hundred. It should be illegal to put negative information about anyone without evidence. Let’s face it it’s a crooked system. Run by crooks. There are people in jail who have done much less to hurt people but it’s a rigged system bought and sold by white collar criminals.
Ryan
Is there anyway I can get inquires removed from my credit report. There is like 47 of them and maybe 10 are soft. I run a business…LLC AND THESE PEOPLE TAKE A LIBERTY AT CHECKING MY CREDIT OFTEN. NOT WITH MY PERMISSION. Can I demand the credit reporting agencies to remove them if I did not request? Let me know.
Thanks. Ronnie
Sorry to hear that. It can be difficult to get inquires removed from your credit report. Your best bet is to dispute them with the credit bureaus.
Ryan,
I just got a recent collections for an older cell phone bill that I thought was paid off by the new carrier when we switched to them. Can I call the old carrier, pay then directly, then dispute the collection by demanding the agency validate the debt? I assume when they validate it, if I have paid it off directly with the old carrier, the debt won’t be valid and have to be removed from my report?
Hello, im having serious issues with my credit score. Its being affected by a old liability that i only had for less than 1year. I bought from a private owner my first vehicle and register it under my name shortly after i was contacted by an investigator and was told this item was sold illegally to me and perhaps never be mine. Years have passed an a towing company for is charging fees which i believe is for this car. All this time i had believed the investigation was close and car taken but it seems like that didnt happen. Dmv doesnt have record of me having this car. I do not have anything regarding this car and the investigation department in my city was unable to pull out the record either. How can i fix this. Need advise asap ????????????????
Once you pay off an account that was in collections how long do you have to wait until you try to dispute it?
Hi
Last year one of my credit card changed their bank . I did not know they did. I did not recieve any letter or anything. I had auto pay set up for old account. 3 months later i recieved the statemwnt with interest on the amount. I called them n they told me no auto payment now on. So i paid it that time. Now i see a late patment on my account. Thats the only 1. I would never late any of my payment if I knew they have changed bank n auto pay is not in place. It was a childrens place card
I have 3 reports on my credit score that I’m planning on paying off in full, within the next 2 months. However, I’ve been hearing so many different responses about paying them all off, may do no good and potentially reopen another 7 years. 2 of my reports have 3 years to come off and the other has 4, would it be better if I left them to come off, once expired or paying them off, could indeed bring my credit score back up and remove them from my credit report sooner?
Hi there, I had a collection from AT&T on my credit report for $1,100 which is completely inaccurate, they were charging me for every line that I’ve ever had since I’ve been with them. I disputed it with TransUnion. I won the dispute & they sold the collection to another company and now it’s on my credit report again how do I get this off permanently?
Hello,
What is the best way that you know of to have a charge-off removed? Deal with the Collection agency or the Original creditor? Thank you in advance