Verify the debt is accurate, complete, and within the statute of limitations
Request a debt validation letter from the collection agency
Dispute any incorrect information with the credit bureaus in writing
Dispute any incorrect information with the collection agency in writing
Ask the original creditor for a goodwill deletion if the debt was paid
Negotiate a pay-for-delete agreement before making any payment
Get any settlement or deletion agreement in writing before paying
Pay the collection if it is valid and unresolved
Request removal after payment if the collector agrees to delete
Wait for the collection to age off your credit report if it is accurate
Check all three credit reports for the same collection and dispute each one separately if needed
Keep copies of all letters, receipts, and proof of delivery
Follow up if the bureau does not respond within the required time
Escalate to the CFPB or your state attorney general if the collector violates the law