If a debt collector won't negotiate with you, there are other options. First, check your credit report for any inaccurate info. Then, if you find any, dispute their claims (& save your credit score). You can dispute debt collectors even easier when you team up with a credit repair expert — like Credit Glory!
Can you negotiate with debt collectors? (& does it work)
If debt collectors are ringing your phone off the hook, negotiation may be a valid tactic. Asking a debt collector for a settlement is a great way to avoid paying the full amount. The bad news? There is no guarantee they will negotiate — wrecking your finances and credit score.
What can you do? If debt collectors report your information inaccurately you may be able to dispute their claims (& save your credit). The better news? Working with a credit repair expert (like Credit Glory) makes disputing a whole lot easier!
When you can't negotiate, hold debt collectors accountable
If you tried to negotiate with a debt collector (w/no success), try a different method — dispute their claim. The FTC estimates that 1 in 5 credit reports contains (at least) one error. The good news? If a creditor reports your info incorrectly it's your right to dispute them! What info is typically reported incorrectly?
- Names and addresses
- The reported balance
- Duplicate records
- Delinquency dates
If one (or more) items on this list aren't correct, it's your right to dispute their claim — and Credit Glory's experience can make it a lot easier!
How to dispute (& remove) negative items yourself
Disputing inaccurate negative items on your credit report on your own is possible — but it's a tedious process. Here are the steps to file a dispute:
Step 1: Write a dispute letter
There are several options for drafting a dispute letter. You can start from scratch — or find a template online. The tricky part is finding a legit template — especially when Google gives over 74 million search results! On the other hand, a partner (like Credit Glory) can simplify the process with proven results.
Step 2: Collect supporting docs
If you find a legit sample letter, you need to clearly state your name, address, and what you are disputing. Then collect all relevant documents to support your claim. A key here is ensuring you send copies — not originals.
Step 3: Wait for a decision
If you manage to write a letter, compile the documents, and find out where to send your letter — the last step is waiting for results. Assuming you did everything perfectly, the dispute results are sent to you in writing. The result? After a long wait — sometimes months — the record may be removed.
Credit Glory makes your dispute easier (& protects against future issues)
Handling the dispute process on your own is tedious and time-consuming. An easier way? Let Credit Glory — a dispute expert — handle the whole process (saving you time & money).
Choosing Credit Glory for help with your dispute provides:
- A proven disputing process, backed by a risk-free guarantee.
- Best-in-class support, so you always know what's going on with your dispute.
- Long-term protection against future errors with comprehensive credit monitoring (provided by IdentityIQ)
Boost your score with Credit Glory
Disputing negative items on your credit report is hard work! It takes a lot of time, effort, organization, and follow up. The good news? Our team of credit repair professionals are here to simplify everything! Let your dedicated credit repair expert relieve you of the stress, hassle, and time needed to fight your inaccuracies and boost your credit score (FAST!)
Credit Glory is a credit repair company that empowers consumers with the opportunity and knowledge to reach their financial dreams in 2021 and beyond.
Call us at (855) 938-3044 or set up a consultation to get started, today!