subject: How can I Remove a Collection Account from my credit report and Get My Score To Go Up [print this page] How can I Remove a Collection Account from my credit report and Get My Score To Go Up
How to remove collection accounts from my credit report?
If you are checking out your credit report and you see that the collection amount is incorrect what should you do? There are things that you may not realize and this is going to happen all the time. There are mistakes that are accidental on your credit reports all the time. However there is something that you can do about it. Wrong collection accounts on your credit report may bring down your score and you should make sure that you get this fixed right away by contacting your credit agency.
You can remove collection accounts which are recorded incorrectly yourself. You do not have to pay a lot of money and see someone to get this fixed. Get a copy of the credit report and validate the collection amount stated. The next thing that you need to do is write a letter to the credit agency disputing the collection accounts. The address for the agency should be listed on the credit report. You need to be sure that you include all copies of paperwork that is going to pertain to the disputes that you are reporting. Make sure the documents that you are sending are copies and not the originals. You need to keep those for yourself. You should send this all by certified mail and get a receipt to be sure that it was shipped and it was received.
It is up to the reporting agency to investigate your disputed claim and verify that there is a problem with the credit report information. If the creditor cannot prove that the information is correct, the entry must be removed with no questions asked. It is probably that it is just an error on their part and they will tell the reporting agency about it and it will be removed from your permanent record. Once the investigation is finished, and the changes are made, the agency will give you a copy of your credit report for free, so that you have proof of the changes that have been made.
