Getting Rid of Negative collection Accounts From My credit description

Collection accounts can do damage to your credit rating and scores, especially the more modern ones. If you are mental about manufacture a purchase such as a car, home or even credit card account, it is a good idea to take off these negative collections from your credit article first.

The strategy you would use to take off collection accounts depends on the account itself. For example, you might have collection accounts that are perfect errors on your credit article that you do not own and have nothing to do with you. A straightforward dispute letter to the credit bureaus together with your identification as proof that the account is not yours should do the trick and have the account deleted.

Collections

The same applies to collection accounts that you previously paid but for some think are still showing on your credit article as not paid and in collections. The dispute letter should be all you need to get it deleted.

It is also possible that you might have fallen on hard times and lost your job which meant paying your account on a monthly basis impossible, and the account was referred to a collection agency. Depending on how old the account is, you can still have success with the dispute process.

Remember that the burden of proof is on the collection division and credit bureaus, this plainly means that they need proof to validate your account which could be a signed document or something of that nature. It's a known fact that a lot of collection agencies do not keep good records and cannot produce such facts on accounts they have purchased.

Getting Rid of Negative collection Accounts From My credit description