![]() Negotiate with debt collectors to delete the collection account To find the debt collection agency’s contact information, check out this list of major debt collection agencies in the US. The debt collection agency is obligated to respond to your letter with verification of the debt. Use this debt verification letter template if a debt collection agency has contacted you about a debt and you want to dispute it. You’ll then be able to use this evidence that the debt is invalid to dispute the collection account with the credit bureaus and have it removed from your credit report. ![]() If they can’t provide this information, then they’ll be forced to stop trying to collect the debt. ![]() If debt collectors are still trying to get you to pay, then you should also send them a debt verification letter (also known as a dispute letter) asking for proof that you owe the debt. The credit reporting agency is required to investigate your claim within 30 days and remove the item from your report if it can’t be verified. Often they're the result of the bureau confusing you for someone else. ![]() Mistakes in your personal information (e.g., an incorrect address), as well as credit accounts that you don't recognize, should usually be disputed with the bureaus. ![]() Use this credit dispute letter template to file a dispute directly with one of the credit bureaus. ![]()
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