Remove COI Collections on Your Credit Report and Boost Your Score

Did you know that 68 million Americans have a debt in collections on their credit report? Delinquent debt can stay on your credit report for up to seven years, negatively impacting your credit score and making it difficult to get a loan or sign up for a new credit card.

Removing COI collections from your credit report can boost your credit score and help you get back on track financially. But how do you remove them from your credit report? Read on to learn more and how you can leverage DoNotPay as a super easy and convenient platform to help you remove COI collections and get your finances back on track!

What Are COI Collections?

Convergent Outsourcing Inc. (COI) is a leading collections agency in the United States. The company is based in Renton, Washington, and has been in business since 1950. COI specializes in the collection of debt from consumers and businesses.

If you have a debt being collected by COI, it will likely show up on your credit report as a COI collection. A COI collections agent will contact you at 1-800-444-8485 to try and resolve the debt. They will send you a debt validation letter containing the amount owed, total interest and fees you have accumulated since the debt went into collections, and the name of the original creditor.

What Should I Look For on My COI Collections Credit Dispute Letter

Collection agencies have been in the limelight for several years for harassing consumers about their debts. Others have tried to collect on a debt that is not even owed. It's therefore critical to be vigilant about the claims made by debt collectors and ensure that any debt validation letters received are accurate. 

After getting your credit report from Equifax, TransUnion, or Equifax, check out the following information and ensure they match all your records. This is essential when you want to dispute a credit report.

• Personal information
• Inquiries
• Collections accounts
• An original creditor by name and address
• Account information
• Public records
• Account collections dates
• The total amount of debt outstanding

If the COI collections match the negative information on your credit report, then it is time to dispute the information.

Strategies on Successfully Disputing Your Credit Report

Delinquent debt can stay on your credit report for up to seven years, so it's vital to take action as soon as you spot any inaccurate information. This will help improve your credit score to unlock new opportunities, such as lower interest rates and better car insurance rates. Here are practical strategies you can use to dispute your credit report successfully:

1. Contact any of the three major credit bureaus and submit a dispute either online or by mail.
2. Dispute with the company that is reporting the inaccurate information
3. Request a pay for delete from your creditor
4. Make a goodwill request for deletion

After 30 days, your credit report dispute will be resolved, and the inaccurate information will be removed from your credit report. If you don't want to go through the lengthy and tedious process of disputing your credit report, DoNotPay offers a convenient and easy-to-use platform that can help you remove debt collections from your credit report and boost your credit score.

Sue for an Unresolved Credit Report Dispute

If the credit bureau or COI fails to resolve your credit report dispute, you can file a lawsuit against the company and get compensated for all the damages caused. The Fair Credit Reporting Act (FCRA) is a federal law that entitles consumers to file a lawsuit if their credit report dispute is not resolved. 

You can also complain to the Consumer Financial Protection Bureau (CFPB) if the credit bureau or COI doesn't resolve your dispute and sue them under Section 1681s of the FCRA.

You can file a complaint and contact CFPB here:

To avoid all the hassles, you can leverage DoNotPay and sue COI or the credit bureau in small claims court and have your issue resolved so you can fix your credit score.

Steps to Dispute Credit Report on Your Own

Your credit report is your lifeline to excellent credit and a better financial future. To ensure that the information on your credit report is accurate, take these steps to dispute credit report information on your own:

1. Request a copy of your credit report from Equifax, TransUnion, or Experian.
2. Check for any inaccuracies or incorrect information.
3. Dispute the inaccurate information with the credit bureau or the company reporting the information.
4. Follow up with the credit bureau or company to ensure that your dispute is resolved.
5. If the information is not resolved within 30 days, file a lawsuit under the CFPB.

Next Steps for Disputing COI Collections if You can't Do It Yourself

Although you can dispute COI collections on your own, the process is lengthy and can be frustrating. DoNotPay offers a convenient and easy way to dispute COI collections and improve your credit score.

With our help, you can take the hassle out of disputing your credit report and get your life back on track. You only need to provide a few details, and we will handle all the legwork for you. DoNotPay will curate a goodwill removal request letter, send a credit dispute letter to the credit bureau, submit a debt validation letter, and contact the creditor for a pay-for-delete on your behalf.

Clean Your Credit Report With DoNotPay

DoNotPay provides a relatively simple solution to help you clean up your credit report by removing late payments and unnecessary credit report inquiries. You won't fill out any tedious forms or spend hours on the phone trying to negotiate with creditors. We'll do all the work for you and help you get your credit score back on track in no time.

If you want to clean up your credit report but don't know where to start, DoNotPay has you covered in 7 easy steps:

1. Search Clean Credit Report on DoNotPay.

    

2. Prepare a recent copy of your credit report that you can use as reference.

    

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!

Why Use DoNotPay to Dispute COI Collections

Leveraging DoNotPay to dispute COI collections has several advantages, including:

• Fast: You won't have to spend hours trying to negotiate with creditors on the phone. Just provide a few details, and we shall handle the rest.
• Easy: DoNotPay eliminates the need for filling tedious and lengthy forms. Within a few clicks, you can have your credit report looking great.
• Successful: We have become a trusted resource for credit report disputes and have successfully helped clients remove late payments, collection accounts, and other negative items from their reports. We will replicate the same for you.

What Else Can DoNotPay Do?

Besides disputing and removing COI collections on your credit report, DoNotPay can help you solve a myriad of other issues, including:

• Financial aid appeal letters
• Canceling any service or subscription
• Negotiating bills you are unable to settle

Ready to clean your credit report and boost your credit score? Sign up or sign in to DoNotPay today and let us help you remove COI collections from your credit report!