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Clean Credit Report
Clean Credit Report
Remove debt collections off your credit report and boost your score.
Remove debt collections off your credit report and boost your score.
When it comes to loans or opening new credit cards, your credit score and report are perhaps the most important factors creditors look at before making a decision.
When a good credit score comes in handy:
When a good credit score comes in handy:
Getting a mortgage
Accessing an auto loan
Getting a student loan
Renting an apartment
Signing a new phone contract
Establish a credit card
Get car insurance
Access new medical insurance
Setting up financing for dental or medical care
Setting up financing from a jeweler
đź’ˇ Having a bad credit score or negative items on your report can prevent you from accessing these benefits.
How can you solve the problem on your own?
How can you solve the problem on your own?
How do I get rid of negative items and collections?
How do I get rid of negative items and collections?
If you already have a few collections on your credit report, the good news is that they are removable.
How Can DoNotPay Help?
How Can DoNotPay Help?
Here are the 4 ways DoNotPay can help you clean up your credit report.
Here are the 4 ways DoNotPay can help you clean up your credit report.
1. Filing a Goodwill Removal Request Letter
1. Filing a Goodwill Removal Request Letter
If you have older, negative information pulling down your credit score even though you've already paid the collection account or have been making regular payments, the best thing to do is to file a "Goodwill" deletion request. This involves asking your creditor to remove the item from your report out of goodwill since you've already paid off the balance.
2. Sending a Credit Dispute for Inaccurate Reports
2. Sending a Credit Dispute for Inaccurate Reports
If there are any errors in your report, you can file a dispute with the major credit bureaus. Under the FCRA, they're required to correct any errors, or remove the mark completely if they aren't able to validate and correct it.
3. Submitting a Debt Validation Request
3. Submitting a Debt Validation Request
The next thing you can try is submitting a debt validation request. This is especially important if you have any reason to believe that this debt doesn't actually belong to you. The creditors cannot collect any money while they process the validation request. However, the validation request can only be sent if it's been less than 30 days since you were first contacted by the collection agency.
4. Mailing a Pay-to-Delete Negotiation Letter
4. Mailing a Pay-to-Delete Negotiation Letter
The last option we can help you with is mailing a pay-to-delete negotiation letter. This is a letter requesting a settlement, where you agree to pay part of the debt in exchange for getting all of the negative marks removed from your account.
Here's how you can get started in 3 easy steps:
Here's how you can get started in 3 easy steps:
*1. Search Clean Credit Report on DoNotPay
*1. Search Clean Credit Report on DoNotPay
Prepare a recent copy of your credit report that you can use as reference.*
3*. Let us guide you through the 4 potential options:*
3*. Let us guide you through the 4 potential options:*
If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.
If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.
If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!
Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.
You can also check out our other credit products, including Credit Limit Increase, Get My Credit Report, Keep Unused Cards Active, and more! **
And that's it! DoNotPay will file the appropriate letter on your behalf (mailing is more effective in these cases since it's trackable). You should hear back from the creditor/credit bureau within a few weeks with a response!
And that's it! DoNotPay will file the appropriate letter on your behalf (mailing is more effective in these cases since it's trackable). You should hear back from the creditor/credit bureau within a few weeks with a response!
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