Collections Are Destroying Your Score. Let's Remove Them.
A single collection account can drop your credit score by 100 points or more. Paying it off doesn't remove it — it just changes the status to "Paid Collection," and the damage stays for seven years. We use federal law to force the bureaus to delete them entirely.
The Truth About Collections
When a debt goes to collections, the original creditor sells it to a third-party agency. That agency then reports the collection to Equifax, Experian, and TransUnion. This is where the system breaks down — and where we step in.
Under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), collection agencies must be able to prove they have the legal right to collect the debt, and the bureaus must verify that every single piece of information they are reporting is 100% accurate.
In our 15 years of experience, we have found that the vast majority of collection accounts contain errors, lack proper documentation, or violate reporting standards. When we expose those violations, the bureaus are legally required to delete the account from your report.
What We Remove:
- Medical Collections (Even paid ones)
- Credit Card Collections
- Utility and Cell Phone Collections
- Apartment / Lease Break Collections
- Payday Loan Collections
Why Paying a Collection Is Usually a Mistake
Most people think paying a collection will fix their credit. It won't. Paying a collection updates the "Date of Last Activity," which can actually cause your score to drop further, and the "Paid Collection" mark remains on your report for seven years.
Before you pay a collection agency a single dollar, let us audit the account. If we can force a deletion, the account disappears from your report completely — as if it never existed — resulting in an immediate and significant score increase.
Let Us Review Your Collections Free