Collection accounts; past and future.

Remove future collection accounts?

If you’re among the many who suffer from collection accounts, the first thing that comes to your mind is: how do I remove collection accounts from a credit report? This is a reasonable question, but it may be treating the symptoms rather than the problem itself. We’ve discussed the many ways in which you can dispute, challenge and ultimately remove collection accounts. This is especially true when possible when the collection account is:
  • outdated,
  • obsolete,
  • or inaccurate.
This, however, is not the topic of this blog post. Instead, we want our visitors to consider the following: how to prevent a collection account in the first place.

You are in control of future collection accounts.

If you could go back in the past and take steps to avoid the collection account, would you? Of course you would. The good news is that this is not a hypothetical question. At this moment you control whether or not you receive another collection account in the future. Certainly mistakes happen which may or may not be unavoidable, but if you are among the many who have had the unfortunate experience of dealing with collection accounts, you might appreciate the point were trying to make here.

Companies can help, but so can you.

While we have a network of qualified companies prepared to assist anyone with collection accounts, we would be happier if you never had to use any of them. Therefore, we highly encourage anyone reading this to take seriously even the most unfair situations, because a collection account can cause more damage than the benefit of prevailing in an argument with a collector.

Here’s an example:

For example, one client told us that the account was unequivocally not his and he had legitimate proof to back up his claim. We absolutely believe him. The account was for $47 from some medical bill. We encouraged the client to pay the bill in exchange for deletion rather than go through months of disputing processes that may ultimately redound against his interest.


The purpose of this article is avoidance rather than problem-solving. Credit repair companies would love nothing more than to help fix your problems. We would love nothing more than if you didn’t have any to begin with.

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