Collections Removal
Collection accounts can drop your credit score by 50 to 110 points. We dispute inaccurate, outdated, and unverifiable collections so you can get back to qualifying for credit, housing, and lower rates.
- Disputes filed with all three bureaus (Equifax, Experian, TransUnion)
- Letters tailored to FCRA, FDCPA, and HIPAA where applicable
- Verification challenges, method-of-verification requests, and re-disputes
- Ongoing tracking and updates as bureaus respond
Why collection accounts hurt your credit so much
A single collection account is one of the most damaging items on a credit report. It signals to lenders that an account went seriously past due and was sold or transferred to a third party. Even a small collection can knock 50 to 110 points off a healthy credit score and stay on the report for up to 7 years from the original delinquency date.
The good news: a meaningful percentage of reported collections contain reporting errors, lack proper documentation, or violate the Fair Credit Reporting Act. When that's the case, the law is on your side.
What we look for when disputing a collection
We review every collection on your report against the FCRA, FDCPA, and bureau reporting guidelines. Common grounds for removal include incorrect dates, mismatched balances, missing original creditor information, duplicate reporting, accounts already paid in full, debts past the statute of limitations, and items the collector cannot verify within 30 days of a properly submitted dispute.
The process, step by step
Step 1: We pull all three bureau reports and document every collection item.
Step 2: We build a custom dispute strategy based on which violations apply to each item.
Step 3: We send formal disputes. The bureaus and the data furnisher have 30 days to verify or remove.
Step 4: We track responses, escalate when needed, and re-dispute with new strategies until your report is as clean as possible.
Frequently asked questions
Can collections really be removed from my credit report?
Yes, when they are inaccurate, outdated (older than 7 years from first delinquency), unverifiable, or reported in violation of the FCRA. Collection accounts are one of the most commonly disputed and removed items.
Will paying a collection remove it from my report?
Not automatically. Paying a collection can change the status to 'paid', but the negative entry typically stays on your report. We focus on getting unverifiable or inaccurate collections deleted entirely.
How long does it take to remove a collection?
Bureaus have 30 days to investigate a dispute. Many collection items are removed in the first 30 to 90 days. More complex cases may take 3 to 6 months.
Do you handle medical collections?
Yes. Medical collections under $500, paid medical collections, and collections under one year old are no longer reported by the major bureaus, and we dispute any that still appear improperly.
Stop letting old collections control your credit.
Book a free, no-pressure consultation. We'll review your situation and tell you exactly what's possible.