Resolving Collections Accounts

  1. Contact the collections company (see contact details on credit report)
    • Attempt to negotiate a reduced pay-off amount
    • Ask them to put any reduced pay-off agreement in writing
  2. Pay off any legitimate debts
    • Make copies of all receipts / payments
    • Ask for a “Paid in Full” receipt
  3. Send letter and receipts to each of the credit bureaus asking them to remove item from your credit report since it has been satisfied (should be removed within 30 days)
  4. Attach a copy of your report or account details, SSN, DOB, contact details
  5. Keep a copy of EVERYTHING for yourself