Remove Collections

How Will a Collection Affect my Credit Score?
Once this debt has been sold, the way it is reported on your credit record changes from bad (late bill) to terrible (collection). Charge offs and collections are one of the primary reasons people are denied all sorts of loans. Just one collection on your credit report may prevent you from being approved for a mortgage!

Collections may appear in various forms on your credit report including:

  • unpaid collection
  • paid collection
  • collection - paid or settled for less

A collection - in any form - is very bad and can dramatically damage your credit score. And you should do everything in your power to dispute and remove any questionable negative collection that is listed on your credit reports.

Below is an image of what a collection may look like on your credit report. This balance on this particular collection item is already inflated from $16,409 to $21,438 from the interest and fees the collection agency tacked on!

Credit bureaus usually list information about the collection item including: (a) the name of the collection agency (b) the balance owed (c) the original collection amount (d) original creditor and (e) the date that the item was sent to collections.

The bottom line is that a collection like the one in the picture above can single handedly destroy an otherwise good credit rating!

The bottom line is that a collection - even a paid or settled collection - must be made to disappear from your credit report if you want to get approved for new credit or improve your credit score.

How Do I Remove a Collection from my Credit Reports?
Contrary to popular belief, collections do not have to stay on your credit report for the next seven years.

Quite the opposite is true. A collection will remain on your credit report for as long as either the credit bureau or creditor decide to report the item. Of course, you can control how long a collection stays on your credit report.
The Fair Credit Reporting Act (FCRA) gives you the right to dispute negative information on your credit report - including collection agencies. You would be shocked to see how many people’s financial situations were turned around with this simple, yet incredibly effective technique to remove collections from their credit report. Way before you get to negotiating actual dollar amounts with a collection agency, dispute the accuracy of your debt(s). You’re going to need a copy of your credit report if you don’t already have it, actually you’ll need three: one copy from each of the three reporting agencies. Equifax, Experian, and Transunion.

You can invest just a few bucks and get all three by clicking here

Each listing of a debt must be individually challenged. Remember, several collection agencies may be reporting the same debt on your report!

The general idea is that you must challenge each and every negative mark on your report. Quite often this process will remove several negative items without any further work.

The FCRA always proves to be a powerful weapon in your quest to remove collections and other questionable items from your credit report. However, your greatest ally can be a credit repair professional who knows the credit repair laws inside and out.

You may consider hiring an affordable credit correction attorney such as The Lexington Law Firm. (Did you know that Lexington Law removed 73,827 Collections on behalf of their clients from July - September 2008!).

If you want to remove your collections and raise your credit score, help may be a simple phone call away! A credit specialist is standing by. Simply dial:
1-888-585-3999
(free case analysis provided by The Lexington Law Firm)

"Lexington Law Removed my Collections & Raised my Credit Score From 530 to 707!"

I just want to share with you my story about how my credit situation. If you are someone struggling with bad credit, then I was walking in your exact same shoes...

And today - if you look behind me - this is the house that I bought.

So, obviously my credit situation has changed.

Basically, while I was in college I ran up my credit cards and acquired a lot of unmanageable debt which destroyed my credit rating.

About a-year-and-a-half ago when I went to try to buy a house, the banks laughed at me and made me feel bad about what happened in college.

I knew that I had to fix my credit, but didn't know how to do it myself so I went to Lexington Law.

Now, literally within several months, I was able to purchase a $300,000 new home without any trouble at all obtaining a mortgage.

So instead of going into banks with bad credit and being looked at as a scumbag, the banks were more than willing to help.

In fact, when I applied for my mortgage and the banker ran my credit, he came back and was saying...

"Wow! Sure thing sir. We'd love to help you out."

Lexington Law literally changed my life.

I went from being the person who has bad credit to being the person who is living in what I consider my dream home at age 29.

Some examples of the things that were on my report that are now gone were:
sorts of

charge offs, collections, and I even had judgments listed against me (which I heard is one of the worst things you can have on your credit.)

I had basically every kind of negative listing shy of a bankruptcy.

Lexington Law has raised my credit score at least 237 points.

I just checked my which is now a 737. When I started with Lexington Law, it was below 500!"


I encourage anyone struggling with bad credit to pick up the phone and give Lexington Law a call.

It was super-encouraging to see my credit score improve each month as the negative items were deleted from my credit reports. I thought some of the bad credit was permanent since creditors misled me into believing that delinquent information would stay on my credit report for the next seven years.

However, through their dispute process and "goodwill interventions," Lexington Law proved it is possible to remove any questionable negative item. (it is the same as pleading 'not guilty' in a court of law).

Additionally, the paralegal assigned to my case showed me other credit rebuilding techniques such as:

  • How to add up to three years of positive payment history to your credit with your regular phone or utility bills (these are things I pay each month anyway so it was a real "no-brainer)

  • How boost your credit score by optimizing your 'Utilization Ratio' - this involves transferring balances and there is a Right Way and Wrong Way to do this

  • How Lexington Law can erase your damaging credit inquiries (applying for credit puts a small "ding" on your credit. Inquiry Investigation helps you remove these "dings")


Deleting the negative credit items like charge offs and the credit card judgment, combined with the credit rebuilding techniques, rapidly improved my credit score. In fact, in month two my score went up 74 points!

After living with bad credit for so long, it was really encouraging to see that I was making progress in the right direction.

Not only did the attorneys at Lexington Law show me results, they also provided excellent customer service along the way. If you are someone who enjoys that "personal touch", then you may like how Lexington Law assigns a paralegal to your case.

My paralegal (Stephanie) was always available to discuss the status of my case over the phone and email. Even though I didn't expect or ask for it, my attorney would also periodically give me a call to check in.

Here are some strategies Lexington Law used to delete the really stubborn bad credit - such as the credit card judgment:

  • Unlimited dispute & delete
  • Goodwill interventions
  • Escalated information requests
  • Debt validation
  • Inquiry assist


You can also access you case online anytime you like. (I enjoyed logging in just to see all the deletions!)

If you are struggling with a bad credit score because of negative credit items, then I truly hope that you start repairing your credit today. I know how humiliating bad credit is and I know how easy it is just to 'sweep it under the rug' and pretend it will go away on its own.

I realize that your situation is probably a little different than mine, however, Lexington Law has already deleted questionable charge offs, a credit card judgment, late payments, collection items, and inquiries from my credit report and raised my credit score to a 737!

Here is a shot of my credit score online last month:

To get starting repairing your credit, call Lexington Law today direct at:
1-888-585-3999 (toll-free)
www.LexingtonLaw.com

Or, Click Here if you prefer to receive a call from a Lexington Law paralegal