How to Remove Security Credit Systems Entries From Your Credit Report

Many Americans are dealing with overwhelming debt, so if you have an unpaid account that's been sent to collections, you're not alone. If you have educational or medical debt, you might hear from . Getting these unpaid debts removed from your credit report is doable, but it can be tedious and time-consuming, and figuring out the right approach can seem overwhelming.

DoNotPay can help remove inquiries from credit reports, remove late payments from credit reports and improve credit scores much easier. Here's what you should know about dealing with negative credit report entries from .

What Is Security Credit Systems?

, Inc. is a third-party collections agency that primarily works with companies in the educational and medical fields. If you have unpaid student loans or medical bills, Security Credit Systems may be the collections agency contacting you to try to collect those debts. If you're going to dispute items on your credit report, you may need to contact the collections agency. Here's how to get in touch with Security Credit Systems:

Mailing address	100 River Rock Drive, Suite 200, Buffalo, New York 14207
Phone Number	716-882-4515
Email	Support

When sending a dispute letter, getting the collections agency to respond can be difficult, so you may want to try using all three contact methods to see which gets a response first.

How to Remove Collections From Your Credit Report on Your Own

If the collections listed on your credit report are there because of errors, you'll want to look into filing a credit dispute or sending a debt verification request. However, since many people deal with overwhelming educational or medical debt, those being contacted by Security Credit Systems are often dealing with the negative impact of legitimate unpaid debts on their credit reports. If you're in this position, removing collections from your credit report is still possible. These are your two major options:

1. Goodwill Removal

If you had a student or medical debt go to collections in past, but you have since paid the debt in full, you may be able to try writing a goodwill removal request to your creditor. While these requests are more likely to succeed with smaller issues like a single missed payment, they can still work here. When you write this letter, include:

Your address
Your account number
Why you were unable to make your loan payments
How things have changed so you won't have unpaid accounts again

2. Pay to Delete

If you have an account that's currently unpaid and in collections, you can try negotiating with Security Credit Systems. In a pay to delete arrangement, you'll come to an agreement with the collections agency to pay some or all of your balance in exchange for having the collection removed from your credit report. Make sure that:

You agree to the specific amount that you'll need to pay.
The collections agency agrees to remove the collection from your credit report at all three of the major credit bureaus.
You get this deal in writing.

While these methods can get collections entries removed from your credit report, there's no guarantee of success.

Easily Remove Collections From Your Credit Report With DoNotPay

Repairing your credit history can be a long and tedious process. Trying multiple methods improves your chances of success, but also adds to the time involved. If you have negative marks you'd like to remove from your credit report, DoNotPay has a fast, easy and successful solution. DoNotPay helps you easily go through all of your options to decide the best way to fix your credit report and improve your credit score.

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:

Search Clean Credit Report on DoNotPay.
Prepare a recent copy of your credit report that you can use as reference.
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.