How To Remove Collections Without Paying

Updated: 15th May, 2022
Ashley Astors
Verified Collections Expert

There are 3 ways to remove collections without paying, continue reading to find out.

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There are 3 ways to remove collections without paying: 1) Write and mail a Goodwill letter asking for forgiveness, 2) study the FCRA and FDCPA and craft dispute letters to challenge the collection, and 3) Have a collections removal expert delete it for you.

Collections will stay on your credit report for up to seven years, stopping you from getting a car, a home, personal loans, credit cards, and even some jobs. It's the smart decision to do everything you can, starting now, to remove them.

Best Way To Dispute A Collection

The best way to dispute a collection on your credit report is with help from an experienced credit repair company like Credit Glory.

How Long Do Collections Stay On Your Credit Report?

Negative items like collections stay on your credit report for 7 years.

How To Deal With Debt Collectors When You Can't Pay

If you have debt you can't pay, you still have options. Under the FDCPA, debt collectors can't harass you, and are there are restrictions on when they can contact you. Because debt collectors are under pressure to collect, you may be able to negotiate a settlement and payment plan.

How To Pay Collections

If there is a collection on your credit report, the first step is to confirm it. After confirming it, you have 3 options for paying collections 1) negotiate a settlement 2) offering a lump-sum payment 3) starting a payment plan.

How To Remove Collections From Credit Report

Having collections on your credit report hurts your score. There are 3 ways you can remove collections from your credit report without paying. 1) sending a Goodwill letter asking for forgiveness 2) disputing the collections yourself 3) working with a credit repair company like Credit Glory that can dispute it for you.

How To Remove Paid Collections From Credit Report

Collections stay on your credit report, even if you pay them off. They remain on your report for 7 years. The best way to remove paid collections is either with a Goodwill letter or disputing it with the help of a seasoned credit expert like Credit Glory.

What Is A Charge Off On A Credit Report

A "charge-off" happens when a creditor closes an account to further use, but the debt is still owed. Often this occurs 120-180 days after payments on the debt have stopped.

Goodwill Letter To Remove Paid Collections

Goodwill letters are different than disputes. A Goodwill letter is a request to a creditor/collection agency asking to remove a negative mark on your credit report after the debt has been settled. Creditors are not obligated to honor your request but may do so, which helps your credit score.

Why choose Credit Glory?

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Price
$99/m (+ small, one-time $100 review & setup fee charged once your letters are sent)
$90–$130/m ($130 most popular)
$79/m (+$79 review/setup fee)
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5 days/wk (M-F), 7 A.M.–7 P.M.
5 days/wk (M-F) 9AM-5PM
Guarantee
Industry-leading 90-day, 100% money-back guarantee (if we remove no negative items)*
None
Money-back guarantee
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A+ BBB rating (4/5 stars)
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Accurate as of March 1st, 2022

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