Obtain copies of your credit reports from all three bureaus
Identify each collection account and verify the details
Check the account for errors, duplicates, or inaccurate information
Dispute any inaccurate collection account with the credit bureau
Send supporting documents with your dispute
Contact the collection agency and request debt validation
If the debt is not validated, request removal in writing
Negotiate a pay-for-delete agreement if the collector agrees
Pay the account only after getting the agreement in writing
Ask the original creditor to recall the account if possible
Request goodwill removal if the debt has been paid
Wait for the collection to age off your credit report
Monitor your reports to confirm the account is removed
Keep copies of all letters, emails, and payment records
Avoid restarting the statute of limitations by making old debt payments without advice