The Old-Fashioned Method
Welcome, here you will learn how to traverse the slow and steady path to permanently removing these negative collections on your credit report. Since this is the personal path that I took to better my credit, I will be explaining it via my viewpoint. Without further ado, let's begin!
DISCLAIMER
As I mentioned previously on the main dispute page; disputing must be done when and only after you have frozen and opted out of all 8 Credit Reporting Agencies. Remember, when disputing items on your credit report, the entity reporting your items MUST prove that the negative items are accurate and belong to you. They can't verify anything if no one is allowed to tell them what the truth is can they? Wink-Wink 😜
MAKE YOUR LIST
Lining Up Your Ducks
Know Your Enemy
As I mentioned previously, we are going to be using Experian to identify what the negative items are and who the Collection Agencies are that are responsible for reporting them.
Make Your List
Create a list of all the Collection Agencies. Be sure to jot-down their names as it appears, their phone numbers, and address (if any).
TIP
In most cases, the Collection Agency on your file submitted incorrect information that makes it hard or near impossible to get in contact with them. You can do either of these 2 things to get in contact with them. OPTION 1: If you remember the original debt holder, you can contact their collection department and ask who they contracted to collect on their behalf. OPTION 2: Collection Agencies "loooooove" to call and harass you to collect their money. Use this to your advantage to collect the information you need to file your dispute.
ATTACK SEQUENCE
Storming The Castle
Verify "Your" Debt
Once you've collected the contact information of your specified debt collector, you need to call them and have them verify the information they have of you. Have them mail the information to you.
In Writing....
Once you've verified the mailed debt belongs to you, contact the debt collector and agree to pay either in full or a lesser agreeable amount. Have them mail you proof of the agreement.
ALL OUT ATTACK
Going In For The Kill
One Shot Kill
Once the last payment is made, make sure that the Debt Collector mails you the final payment disclosure letter. Ensure the letter received verifies that "you no longer have a debt" and that it has either been "paid in full" or has been "settled for a lesser amount."
The Golden Path
Now that you have the necessary documentation to clear up the negative records on your account, your path will now get a whole lot easier.
GROUND ZERO
EXPERIAN DISPUTE CENTER
Waiting Game
Now that the hard work is out of the way, all that needs to be done is wait. Dispute results usually accure after a 30-day span. Once that is over, you will receive an update to your credit report with those negative items removed.
CONCLUSION
If you have followed all of my steps to the "T", you should have those negative items removed permanently from your credit report. If for some reason my personal experience hasn't helped, feel free to explore my Modern-Fashioned Way path or hire someone to assist. Click the "Dispute Center" button below to get started.