To remove a collection from your credit report, follow these steps:
- Gather documentation: Collect any documentation you have that proves the collection is incorrect or that you have already paid off the debt. This may include proof of payment, a letter from the creditor stating that the debt has been paid, or a copy of the original agreement.
- Dispute the collection: Contact the credit bureau (Experian, Equifax, or TransUnion) that is reporting the collection and file a dispute. You can do this online or by mail. In your dispute, explain why you believe the collection is incorrect or has already been paid off, and provide any supporting documentation you have.
- Contact the creditor: If the credit bureau is unable to resolve the dispute, contact the creditor directly and request that they remove the collection from your credit report. Provide any documentation you have to support your claim.
- Use a credit repair service: If you are having difficulty resolving the dispute on your own, consider hiring a credit repair service to help. These companies can negotiate with creditors and credit bureaus on your behalf and work to get the collection removed from your credit report.