3 Things You Need To Do If Your Debt Is Sent To Collections (W/ or W/O Notice)

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

Learn 3 things you need to do if your debt's sent to collections w/ or w/o notice. Find out when you can dispute negative items & how Credit Glory can help.

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Anytime a debt is sent to collections you should verify the info, make sure the debt is yours, and learn when (& how) you can dispute the record. These three steps may save your credit score & you can make them easier w/help from Credit Glory.

Can a creditor send your debt to collections w/o notice?

If you owe a debt to a creditor, they can send it to collections at any time. Unfortunately, they aren't required to notify you — creating a nasty surprise when you check your credit score. What can you do? Check your credit report regularly and, if you find any inaccurate info, dispute it! (& Credit Glory can help)

Your top 3 next steps after debt is sent to collections (with or without notice)

If your debt is sent to collections (whether you were notified or not) you have options to protect yourself  — & your score.

Verify the information is accurate

If the creditor didn't report your info correctly, there's a good chance you can dispute the negative item on your credit report. How often is inaccurate info reported? The FTC estimates that 20% of credit reports contain negative items that are reported incorrectly. Common info that is reported incorrectly includes:

  • Name
  • Address
  • Dates associated with debt

If you find that any item on this list is inaccurate, it's your right to dispute them and hold the creditor accountable. The easiest way to dispute? Trust an expert, like Credit Glory, to help guide you through the process.

Make sure the debt is yours before you pay it

Before paying any debts you need to verify it's actually yours. If a collector is holding you responsible for a debt you don't owe, it's your right to hold them accountable for inaccurate reporting. The benefit? An improved score after negative items are removed saves you from ridiculous interest rates.  

Learn how to dispute (& how Credit Glory can help)

The next step is learning how to dispute the negative item if it's inaccurate. You can dispute it on your own (a lengthy & difficult process). The easier way? Let an expert like Credit Glory automate the dispute (saving you time & headache).

What if you were notified & the collections notice is accurate?

If the info is reported accurately, the debt is yours, & you can't dispute the collections record  — what can you do? A great place to start is working on what you can control and repair your credit (increasing your score). What is credit repair? Credit repair starts with disputing any other inaccurate items on your credit report, which usually gives your score a boost (fast).

What's your easiest way to dispute collections: DIY or w/ Help? (& who can help)

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 tested dispute process - Credit Glory uses a refined dispute process, with success removing negative items.
  • Unmatched 100% Money-Back Guarantee - Qualify for a full refund if Credit Glory can't remove inaccurate negative items in 90-days.
  • Best-in-class customer support - Disputes are generally complicated and involve waiting. Credit Glory beats DIY by a mile providing access to comprehensive customer support.

You keep creditors accountable for inaccurate reporting easily w/ help from 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 is 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!

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