Remove Helvey Associates Collection Account From Your 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.

Remove Helvey Associates Off Your Credit Report With DoNotPay

It's crazy how much our credit scores matter in personal finance. Next to making it extremely hard to get future loans, a bad credit score can make it impossible to get contracts. It includes everything from approval for apartments to phone contracts and employment even. And to top it off, you have to deal with unrelenting calls from debt collector companies like .

But what most people realize is that it is entirely possible to get rid of bad credit reports. Sure, it will take a fair amount of effort, time, and a general understanding of the processes involved, but it is perfectly achievable with the right person on your team.

Luckily, with the help of DoNotPay, you don't have to deal with the headache yourself. This article will show you all the fundamentals concerning credit reports and how DoNotPay can help clean your credit report in a jiffy.

What Does Helvey Associates Do?

is a privately owned debt collection agency. Typically, they buy debts from creditors or loan companies (at a lower price) and then collect the true value of the loan themselves from the debtor.

With over 60 years in the game, you can trust they know a thing or two about collecting debts. Unfortunately, their wealth of knowledge is not so amusing when you're on the receiving end of their antics.

For starters, they have a ready team of employees dedicated to harassing you to honor your debt. Even worse, they can end up filing bad reports on your credit and hurting your total credit score.

Tricks Used by Credit Collectors

Some popular tactics credit collectors are notorious for include:

  • Calling you constantly to follow up on the money owed
  • Sending reminders to pay your pending balance
  • Making illegitimate threats if you fail to pay

You have to understand that all these tactics are fair play to such companies. After all, they are legitimate businesses that need to make profits. Still, it can be extremely annoying to be called nonstop or have false reports on your credit score.

Also, some guidelines need to be followed when following up on debts. It is your right to contest any unfair debt accusation.

How to Know if You Even Owe a Debt

Before submitting to any debt collector's demands or beginning any negotiation process, you must confirm that you do indeed hold debt with the company. In this case, it means sending Helvey Associates a verification of debt letter.

Afterward, they'll need to provide satisfactory paperwork, clarifying the full details of your debt situation. Anything less will render you free from liability.

What Is a Debt Validation Letter?

It is a document written by a debtor to a creditor to request evidence that a debt is truly owed.

In response to the letter, the creditor should provide the details below:

  1. Name of the debt holder
  2. The date that the debt was issued
  3. The total amount of the debt plus interest
  4. Interest rates on the debt.
  5. When the debt is (or was) due.

Thanks to the rate at which such debts switch hands, it is likely that Helvey Associates might not have even the most basic of the above information or relevant paperwork to support it. In this case, you get leeway to entirely detest and be freed from liability from any debt to the company.

If They Validate the Debt, What’s Next?

If they send valid information back, you can begin negotiating for them to clear your report. Usually, it will involve paying off the debt and depending on your situation, following up with a series of request documents such as:

  • Goodwill Removal Request
  • Debt Validation request
  • Credit dispute
  • Pay to delete negotiation letter

How to Clean Up Your Credit Report Using DoNotPay

If you are looking to clean up your credit the easy way, we suggest you leave it to DoNotPay. Our app is simple, easy to use, and has successfully aided thousands to clear bad credit reports.

You'll only need to follow 3 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.

Use DoNotPay to Sort Out Other Credit Issues

DoNotPay doesn't just fix bad credit reports. Additionally, we can also help sort some more credit-related issues, including:

Improve Credit ScoreDebt Validation LetterRemove Inquiries From Credit ReportFix Credit Score
Dispute Credit ReportRemove Collections From Credit ReportRemove Late Payments From Credit ReportCredit Dispute Letter

Other Services That DoNotPay Offers

Cleaning bad credit reports is only a small fraction of what DoNotPay does. Our diverse array of clients approach us for help in many different everyday issues, not limited to:

At DoNotPay, we will do everything in our power to ensure that your problem is solved while saving as much of your money, time, and efforts as possible. So don't hesitate to contact us today.

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