Obtain a copy of your credit reports from all three bureaus
Verify the debt collection entry for errors in name, account number, balance, dates, or ownership
Dispute any inaccurate or incomplete information with the credit bureaus
Request debt validation from the collection agency in writing
If the collector cannot validate the debt, request deletion of the collection account
Negotiate a pay-for-delete agreement before making any payment
Get any settlement or deletion agreement in writing before paying
Pay the debt if needed, then follow up to confirm the agreed update or deletion
Ask the original creditor to recall the account if possible
Send a goodwill deletion request after paying a legitimate collection
Wait for the collection to age off your report if it is accurate and cannot be removed
Monitor your credit reports to confirm the collection is updated or removed
Keep copies of all letters, disputes, receipts, and confirmations