How to Clean Up a Credit Report

iEditorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

How to Clean Up Credit Report Easily

Did you know that 28% or one in four Americans have had at least one debt in collections, according to a 2019 report by the Consumer Financial Protection Bureau (CFPB)? A collections account on your credit report can hurt your credit score, making it more expensive to get a mortgage, buy a car, or access credit.

allows you to remove the collections from your credit report so you can begin to repair your credit score. If you clear your debt, a collection agency might agree to remove your collections account from your credit report. Read on to learn how you can use DoNotPay to dispute ERC collections on your credit report.

What Are ERC Collections?

It works on behalf of other lending institutions like banks to collect defaulted debts. An ERC collection might appear on your credit report if your original account got charged- off due to many missed payments. ERC specializes in collecting the overdue debt you owe to other lending institutions.

When you enter into an agreement with ERC, they will call you through 800-383-5979 and send letters containing the total amount of overdue debts. They also provide information about how much interest and fees have accumulated since the first missed payment.

What Should I Look For on My ERC Collections Credit Dispute?

While not all collections will appear on your credit report, it's critical to be vigilant to avoid being harassed by debt collection agencies. After acquiring your credit report from any major credit bureaus, Equifax, Experian, or TransUnion, you check out the following information to dispute a credit report. Ensure that they all match your records.

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

The negative information on your credit report is accurate if it contains the exact details as what's listed on ERC collections.

Strategies for Successfully Disputing Your Credit Report

Your credit report is your lifeline for applying for mortgages, credit cards, and other forms of borrowing. It's therefore essential to dispute any wrong information on your credit report with the credit bureaus to improve your credit score. Below are some of the most effective debt collection dispute strategies:

  • Submit a dispute to the credit bureau either online or by mail
  • Dispute with the company that reported you to the credit bureau
  • Send a pay for delete offer to your creditor
  • Make a goodwill request for deletion
  • Wait out the credit reporting time limit, usually around 30 days, for your dispute to be resolved.

You can also use DoNotPay as a super-easy and convenient unique approach to remove collections from your credit report and strengthen your chances of improving your credit score.

Sue for an Unresolved Credit Report Dispute

You can sue a credit bureau for not resolving your credit report dispute. The Fair Credit Reporting Act gives you a right to dispute errors with the credit bureau for any information that they report as inaccurate.

If your credit report dispute isn't resolved, you can complain to the CFPB and sue under Section 1681s of the FCRA. Alternatively, you can use DoNotPay to sue the lender or credit bureau in small claims court and get the judgment you need to fix your credit score .

How to Clean Up Your Credit Report by Yourself

A clean credit report is critical to improving your credit score. Here is how you can do it on your own:

  1. Check your credit report from all three credit bureaus every year for any false or inaccurate information.
  2. Validate and verify the debt on collection accounts. Ensure the original creditor on your credit report matches that of ERC collections' contact details.
  3. Get ERC to quit calling by contacting them through 1-800-828-1110.
  4. Contest the debt with the credit bureaus for any inaccurate information on your credit report through their online or paper applications.
  5. Wait for the credit bureaus to investigate the dispute. Depending on the nature of your complaint, this should take up to 30 days.
  6. Settle with a pay for delete agreement and send a pay for delete offer to ERC.
  7. Wait another 30 days and ensure the collection account has been deleted from your credit report.

Next Steps for Cleaning up Your Credit Report if You Can't Do It Yourself

While cleaning up your credit report by yourself is possible, the process can be quite tedious. This is where DoNotPay can help you fix your credit report and improve your credit score without a hassle. You only need to provide a few details, including the debt amount, collection agency name, and default date, and leave the rest to us.

DoNotPay will fill out a goodwill removal request letter, send a credit dispute letter for inaccurate records, submit a debt validation letter, and mail a pay-to-delete negotiation letter on your behalf to the ERC.

How to Clean Up Your Credit Report With the Help of DoNotPay

DoNotPay offers a relatively simple way to clean up your credit report, including removing unnecessary credit report inquiries and late payments. No tedious form filling or complicated processes. All you need is a few details, and we will take care of the rest for you.

How to clean up your credit report using DoNotPay:

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

  1. Search Clean Credit Report on DoNotPay.
  2. Prepare a recent copy of your credit report that you can use as a reference.
  3. Let us guide you through the four potential options:
    1. If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.
    2. 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.
    3. 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.
    4. 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 Clean Your Credit Report

DoNotPay offers several advantages, including:

FastNo need to spend many hours trying to clean your credit report. Clean your report within a few minutes.
EasyWe've eliminated the tedious process of filling boring forms and searching for information. Just fill in a few blanks, and our system will take over.
SuccessfulWith a vast customer base, rest assured that you will have a clean credit report within no time.

DoNotPay Works Across All Companies/Entities/Groups With the Click of a Button

DoNotPay works with many other companies and entities to help you solve issues that you might be facing. Not only does DoNotPay help you clean your credit report, but it can also help you get your birth certificate in Kentucky the same way it could for California.

What Else Can DoNotPay Do?

Cleaning your credit report is just one of many things DoNotPay can help you with. Other issues DoNotPay can help solve include:

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