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Get a debt collection off my credit


Unfortunately, there is no quick and easy way to remove a legitimate debt collection from your credit report. The first step would be to verify that the debt is valid and belongs to you, as it is possible that the collection may be a mistake or a case of mistaken identity. If the debt is indeed yours, there are a few options you can explore to deal with it: 1. Negotiate a settlement or payment plan: Contact the debt collector and try to negotiate a settlement or payment plan. They may be willing to settle for less than the full amount if you agree to pay it off in a lump sum or in installments. Be sure to get any agreement in writing before making any payments. 2. Dispute the debt: If you believe the debt is not valid or you do not owe the full amount, you can dispute it with the credit reporting agencies (Equifax, Experian, and TransUnion). They are required to investigate your dispute and remove the debt if it is found to be inaccurate. 3. Offer to pay for deletion: You can also try offering to pay the debt in full in exchange for the collection agency removing it from your credit report. This is sometimes referred to as a "pay for delete" agreement. Not all collection agencies will agree to this, but it may be worth a try. 4. Wait for the debt to fall off: In most cases, collections will remain on your credit report for 7 years from the date of your last missed payment. If the debt is close to dropping off, it may be best to simply wait for it to fall off your report. Keep in mind that it is not possible to remove a legitimate debt collection from your credit report simply because you do not want it there. If the debt is valid, it will likely remain on your report until it is paid in full or until it falls off after 7 years.