Obtain copies of your credit reports from all three bureaus
Identify each collection account you want removed
Verify the debt is accurate, complete, and belongs to you
Dispute any inaccurate, outdated, duplicate, or unverified collection with the credit bureaus
Send disputes in writing and keep copies of everything
Request debt validation from the collection agency
Check whether the collection is past the reporting time limit
Negotiate a pay-for-delete agreement before making any payment
Get any pay-for-delete promise in writing
Pay or settle only after confirming the agreement terms
Follow up to ensure the collection is removed or updated correctly
Dispute again if the bureau or collector fails to correct errors
Escalate complaints to the CFPB or your state attorney general if needed
Monitor your credit reports after the dispute or settlement process