How to Remove Harvard Collection Services From Your Credit Report In 3 Steps

Is Harvard Collection Services contacting you for any debts you owe to your creditors? 

A Federal Trade Commission study on 1001 participants showed that 121 people had a dispute with collection services. Out of the number, 31% thought the dispute to be correct, while 69% allowed the inaccurate information to stay on their credit report.

Errors listed on your credit report can negatively affect your credit score, which is why you should dispute the credit report to improve your credit score. DoNotPay can help you dispute and fix your credit score without dealing with all the frustrations.

What is Harvard Collection Service?

Harvard credit card collection services is a company that is responsible for receivable management, collecting medical debt, and commercial debt. The company has been in business for over 30 years, helping different creditors get what they are owed.

If you forget to pay any bill, you will likely see Harvard Collection services on your credit report. Located in Chicago, Illinois, Harvard Collection services collects debts for the following companies:

• Compliance and training
• Education
• Financial services
• Healthcare
• Government
• Telecommunications
• Utilities

The Harvard Collection services contact information is as follows:

How Collections Affect Your Credit

Having a Harvard Collection service on your credit report due to missed payments will likely affect your credit score. You will likely see multiple collections on the same account in your report if collection agencies bought your debts from each other. You need to dispute the accounts with the relevant agencies to ensure your credit score is not ruined. Having a collection service listed on your report shouldn't be taken lightly. The good thing is, you have every right to defend yourself against bad reports.

The Fair Debt Collection Practices Act (FDCPA) protects people against bad practices irrespective of whether they owe money or not. FDCP has set up uprights that protect you against the collection services.

1. It is a violation for the collection services to provide false information against your credit report
2. You have every right to ask for credit validation. The collection services must show that the allegations brought against you are accurate
3. Harvard Collection services have no right to harass or threaten you
4. The collection services must reveal who they are to you

You can contact them here to know more about your rights:

How to Deal With Harvard Collection Services

Like other collections services, Harvard Collection services will try to do what they can to clear the debt owed. Their actions will hurt and frustrate you in most cases, but this doesn't need to be the case.

Here are some of the actions you can take to protect yourself:

• Don't answer calls; if Harvard Collection services keep calling you, politely tell them you won't be engaged through calls but in writing.
• If you choose to engage them through phone calls, ensure you record the conversations
• If they threaten you or make false allegations, don't believe them, but most importantly, don't panic
• Don't hide money from Harvard Collection services if you owe debts
• Since they can sue you for the debts owed, don't ignore their attempts to reach you
• Know the statute of limitations. In every state, there is a statute of limitations on debts. If yours has reached a certain age, it may be considered zombie debt, and you can no longer pay

Even if Harvard Collection services call you, you have no legal right to pay. Remember to always engage with the collection services in writing. You can write a credit dispute letter addressed to Harvard Collection services.

How to Remove a Collection Service From Your Credit Report on Your Own

Having unpaid collection on your credit report will taint your image to potential creditors. For this reason, you should remove the collection service from your credit report. It is possible to remove Harvard Collection Services from your report if the information in your account is fraudulent or incorrect.

1. Gather All the Materials 

To prove that you have a valid complaint, gather all the necessary materials to support your case.

• Credit card statement
• Bank statement
• Birth certificate
• Proof of your identity.
• Social security number
• Driver's license or Passport
• A copy of your bank/ insurance statements and utility bills.

2. Dispute the Report

Remember, after seven years, all delinquent accounts must not show on your credit report. If your debt has lasted longer, you can file a dispute against the collection services. If a mistake was made on your credit report, reach out to the collection services and report the problem.

3. Ask for Goodwill Deletion

Ask the Harvard Collection services for a goodwill deletion by writing a letter explaining your situation. Explain why you need the debt removed from your report in the letter. Ensure you attach a record of the payment if you've cleared the payment. Remember that the collection services won't necessarily agree to your request.

4. Pay For Deletion

Your credit record up to the collection action will still show. However, removing the collection will prevent it from damaging your credit score reputation. For this reason, you should consider paying the collection service to remove late payments from your credit report.

How DoNotPay Can Help Clean Up Your Credit Report

If Harvard Collection services have harmed your reputation, consider asking for help. Cleaning your credit report on your own is expensive, time-consuming, and exhausting.

Since Harvard Collection Services are trying to collect debts, they will do everything in their power to get you to pay.

If you're wondering how to go about cleaning your credit report but don't know where to start, DoNotPay has you covered in the following three 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:

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.

    

Why Use DoNotPay to Clean Your Credit Report

Harvard collection services can frustrate you. However, you can clean your credit report with the help of DoNotPay, and here is why:

• It is Fast- You don't have to waste time moving from one place to another to get help
• It is Easy- The process is simple since there are no tedious forms to fill
• It is Successful- Once you use DoNotPay, you are assured that the collection listed on your credit report will be removed.

Besides cleaning your credit report, DoNotPay can also help you:

• Write a debt validation letter
• How to remove inquiries from credit report
• Find the best hotel discounts
• File complaints against any harassment from companies
• Get a clean credit report