How to Deal With Professional Debt Mediation on Your Credit Report?

If you are searching for ways to improve your credit score, the first place to look is on your credit report. If you see any negative items (i.e. collections, inquiries, or late payments), you should look for ways to dispute or remove them from your report. Professional Debt Mediation is one company that can negatively impact your credit score, and DoNotPay can help to get them off of your credit report. Disputing items on your credit report is not an easy task. You may have to fill out credit dispute letters, goodwill letters, or get debt validation letters in order to find errors or request a timely removal of things impacting your credit score. 

The work involved in fixing your credit score is well worth it. You'll be more likely to be accepted for employment opportunities or get lower rates on a mortgage. Financially, opportunities will open that you didn't previously have with negative credit. That is why you need to invest in the help of DoNotPay.

What Is Professional Debt Mediation? 

Professional Debt Mediation is a debt collection company that was founded in 1998 and prides itself on its debt collection efforts along with friendliness toward the consumer. They claim to help businesses and those who owe past due amounts, but they don't exactly help the consumer when they report your past-due accounts to the credit bureaus. 

Although credit reporting on past due or delinquent accounts is a reasonable expectation, these reports can be erroneous and long-lasting. That is why it is important to look for ways to get Professional Debt Mediation off of your credit report.

You can contact them here:

What Should I Look For in My Professional Debt Mediation Credit Dispute? 

Under the Fair Credit Reporting Act, Professional Debt Mediation is required to be accurate about the things it reports to the credit bureaus. If it isn't, you have an immediate reason to dispute the report. Things you should look to include in a credit dispute include:

• Incorrect name or entity responsible for the debt
• Wrong dates that can lengthen the time a negative action remains on your report
• Any inaccurate or misrepresented information (such as canceled vs. settled vs. paid accounts)

Everything on your credit report impacts your score differently and disputing any errors is integral to maintaining good credit.

Strategies for Successfully Disputing Your Credit Report

Successfully disputing your credit report can include many actions, such as:

1. Writing and submitting a credit dispute to remove errors.
2. Writing and submitting a goodwill letter to remove paid debt.
3. Obtaining a debt validation letter to look for errors.
4. Consider and look for options available to pay to delete negative credit reporting.

Each of these actions must be submitted to all 3 major credit bureaus:

• Experian
• TransUnion
•  Equifax

How to Remove Professional Debt Mediation From Your Credit Report on Your Own

If you are removing Professional Debt Mediation from your credit report on your own, life can be difficult. That is because you must know what to include in the letters and how to get them sent to the different credit bureaus. Additionally, you must know the next course of action if nothing gets removed. 

Many people try to remove negative items from their credit report, but few succeed. That is because they don't have the resources necessary to navigate the credit bureau system properly or communicate with creditors through the right channels.

Next Steps to Getting Professional Debt Mediation off Your Credit if You Cannot Do It on Your Own

There is a much easier way to get Professional Debt Mediation off of your credit, and that is by using DoNotPay. This AI-powered personal assistant will generate your letters for you and send them to the right location. We are equipped with the information, language, and processes necessary to clear your credit and put you on the path to financial opportunity. 

DoNotPay is fast, easy, and successful. There is no better place to get bad credit wiped clean and improve your credit score.

Get Professional Debt Mediation off Your Credit Report With the Help of DoNotPay!

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 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.

    

You can also check out our other credit products, including Credit Limit Increase, Get My Credit Report, Keep Unused Cards Active, and more!

What Else Can DoNotPay Do? 

DoNotPay helps many people in many areas of life. It can help you cancel subscriptions, write a financial aid appeal letter, or help you with bills. If there's an annoying social or legal problem you are experiencing, DoNotPay can help to make it go away.

Sign up for DoNotPay today, and watch your credit problems with Professional Debt Mediation and any other overzealous debt collectors vanish.