If you don’t know who the original creditor is and it’s not listed on your report, ask the collection agency to give you that information.Īfterward, compare the collection details listed on the credit report against your own records for the reported account. Your credit report should list whether the collection is paid or unpaid, the balance you owe (if any) and the date of the account’s delinquency. However, due to the Covid-19 pandemic, you can check your reports from all three credit bureaus for free weekly until April 20, 2022. Normally, you can only get one free copy of each report annually. To get details on your collection account, review all of your credit reports. Do Your Research & Check All Credit Reports Here, we’ll walk you through the three steps you can take to remove collection accounts from your credit report.ġ. If you want to remove it sooner or believe it’s an error, you can take several actions to try and remove it from your credit report. Once your debt ends up in collections, this negative information is usually reported to the three major credit bureaus-Experian, Transunion and Equifax-and damages your credit score.Īfter a certain period of time, a collection account must be taken off of your report. When you default on a debt obligation, your original creditor will sometimes sell your debt to a debt collector or collection agency.
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