How To Remove Collections From Your Credit Report

You can get your life back on track after a short sale. One of the first things you’ll want is to start repairing your credit. But, how do you get those pesky collections off your report?
I’ll show you a couple of techniques here. Collections can be very easy to remove. The reason is that most collection accounts have been transferred several times.
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Most of the time, the original lender will turn over the account to a collection agency within 6 months. The collection agency usually can’t collect anything.
After that, the original lender will turn over the account to another collection agency. If that person can’t collect, then they will sell it to a debt buyer for three to five cents on the dollar.
But, the paperwork hardly ever gets transferred over properly. Here is the first step to removing it from your credit. Dispute it with the credit bureaus.
You may not agree that it is your collection. That will take 30-45 days to process. It will often clear up the problem. Then, dispute it with the debt buyer (or collection agency) noted on your report.
You can’t dispute with them until you have disputed with the credit bureaus first. Request an investigation. They have 30 days to respond. Most will not have the proper documentation.
They may send you documentation. But, it isn’t very specific. If that happens, then ask for specific documentation. I would ask for a copy of a document that is signed by the company that sold them the debt.
The document should clearly state all your account information. It should have the account number, your information and address, and the amount owed.