How to Remove Collections from Your Credit Report (2025)
Learn the exact process to dispute and remove collection accounts using debt validation letters and FCRA laws. Includes free templates.
Free guides, templates, and tools to fix your credit and build your financial future
Comprehensive step-by-step guides to help you repair your credit
Learn the exact process to dispute and remove collection accounts using debt validation letters and FCRA laws. Includes free templates.
Understand time-barred debt and how to use statute of limitations laws to challenge old collections. State-by-state breakdown included.
Discover the top credit cards for building credit, including secured cards, no credit check options, and cards that report to all 3 bureaus.
Use FDCPA laws to stop abusive debt collectors. Includes cease and desist letter template and know your rights guide.
Master the FCRA § 611 dispute process. Learn how to identify errors, write effective dispute letters, and force credit bureaus to investigate.
Learn the pay-for-delete strategy to negotiate debt removal. Includes settlement letter template and negotiation tactics.
Interactive calculators and tools to help you make informed decisions
See how different actions affect your score
Calculate how long to pay off debt
Check if your debt is time-barred
Optimize your credit card balances
Download professional, legally-formatted dispute letters
Challenge collection agencies to prove the debt is valid. Cites FDCPA § 809(b). Success rate: 40-60%.
Generate LetterStop debt collector harassment immediately. Cites FDCPA § 805(c). Success rate: 95%+.
Generate LetterRequest removal of late payment marks. Appeals to creditor goodwill. Success rate: 30-50%.
Generate LetterGet personalized recommendations and professional dispute letters in 2 minutes
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