How to remove debt collections

The law has added a new wrinkle to removing debt collections!

how to remove debt collections

How To Remove Debt Collections

Junk debt buyers, most often known as collection companies, deserve the bad rap they have earned. And today, with the help of the FTC, the Consumer Financial Protection Board and state Attorney Generals the power to remove collections has improved.

When the original creditor writes off the debt, it is often sold to “junk debt buyers”.  They typically receive an Excel spreadsheet of the portfolio of paper they are buying.  And they in turn file a collection on your credit report without ever consulting you first.  Of course this immediately drives down your credit rating.

Under both the Fair Credit Reporting Act and the Fair Debt Collections Practices Act, they must have documentation to prove what they have reported. And this documentation must be made available to you at your request.  But if all they have is an Excel spreadsheet and usually a print out of what the debt was, then how can they clearly show that you owed the debt and further that you now owe them this alleged debt.

In other words, they have to have a copy of that original contract (with your signature) and another contract showing that they now have the right to collect the debt.  We have discovered that in approximately 80% of our cases, these junk debt buyers have neither!

Do you need to have your collections removed from your credit, call us first for a Free Consultation.  1-877-800-6029

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 Sue The Credit Bureaus??? Maybe!

A federal court jury in the United States District Court for the Eastern District of Pennsylvania returned an $800,000 verdict against Trans Union credit reporting agency in a fair credit reporting case. The verdict is the largest known of its kind in a Pennsylvania federal court.

In its vBeat the credit bureauserdict, the jury concluded that Trans Union had violated four provisions of the Fair Credit Reporting Act by not conducting a proper initial investigation; by not making proper disclosures to Cortez when she complained; by failing to note her dispute in subsequent reports; and by failing to have procedures that would ensure “maximum possible accuracy” in its reports.

Discover How You Can “BEAT THE CREDIT BUREAUS” With Our Free Guide! A Powerful 3 Step Formula – Get Your Free Copy Today!

Should You Sue The Credit Bureaus?

The preferred way to go about it, says Clarksdale, Miss., trial lawyer Michael Lewis, is to sue for defamation. He should know. In 1998 Lewis won a $4.5 million verdict against the credit bureau TransUnion for a client who had been a victim of identity fraud and had been unable to clear his name. The case is under review by the U.S. Fifth Circuit Court of Appeals.

The credit bureaus won’t venture forth to check public documents such as court judgments and county property records, but they will accept copies of supporting documentation from consumers. In rare cases they might even repair a consumer’s credit record based on such documents, “but a month later we’ll get the same old information from the credit grantor again,”Lewis says.

A “shadow world” ripe for a fall!

It’s that kind of attitude toward the consumer that makes Lewis call the credit-reporting industry “a shadow world that is almost beyond the reach of the law and is certainly above and beyond the reach of the consumer.”

Discover How You Can “BEAT THE CREDIT BUREAUS” With Our Free Guide! A Powerful 3 Step Formula – Get Your Free Copy Today!

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The Best Credit Repair Affiliate Program

The need for credit restoration has become so great, that consumers need a good resource to learn about credit repair and how to improve their credit. The information on the internet is often misleading and most folks would rather talk to someone directly about fixing their bad credit. Maybe that person should be you!

If you are in a position of helping your clients make financial decisions which can often revolve around income, employment, credit and more, having a tool like Safe Haven Credit’s affiliate program can be a saving grace for your clients.

Being a resource for your clients raises your credibility and enhances your client relationships. Take a moment to review our credit repair affiliate program.

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The Top 3 Tips For Credit Report Repair

credit report repairFrom The Credit Experts

We are in agreement that the credit bureaus have terrible quality control, do not verify your actual documents and statements and simply accept the word of those reporting
information about you.  In other words, NO ONE at the credit bureaus ever sees if what they are reporting is accurate or not!!!  Therefore, YOU must FORCE the credit bureaus to comply with the law because the won’t do it on their own!

Credit Report Repair Begins Here…

1. Dispute, Dispute, Dispute!  THERE have been numerous studies done showing that a large majority on Americans have errors on there credit reports,  although a good many simply have bad credit. The first order of business is to write the credit bureaus and dispute the errors and the negatives on your credit.  Whether the information is accurate or not, the credit bureaus MUST INVESTIGATE each request with each creditor.  If the creditor does not reply or is unable to find the records to back up what they reported, then the negative items MUST be removed from your credit report. Dispute, Dispute, Dispute!

ImproveCredit Scores by Removing Collections…

2. Collections can really trash a credit report.  If they are old and you pay them or even part of them, your credit report will reflect that payment and the collection becomes new again, lasting for seven more years and damaging your credit scores. If a collection agency verifies your credit bureau investigation, then it’s time to go after the collection company.  Under the law they are required to prove that 1- they have proof of the debt you owe, 2-they have the right to collect the debt and a written agreement with the original creditor, 3-they have the right to do business and collect debts in your state, 4-they can document to the penny what you owe.  Guess what, most collections cannot provide all four of their legal requirements.  If they can’t, they must retract their reporting from your credit report.

Credit Tip - Creditors Are FAR From Perfect…

3. Creditors – The creditors reporting to the credit bureaus are definitely not perfect.  One court judge found that over 90% of credit card companies could not prove that consumers (who had sued them) owed the debt in question.  The law requires that creditors investigate accounts if you ask them.  So ask them.  Ask for the proof documents, ones with signatures proving you owe the debt. Again if they cannot prove what they are reporting, it must be removed from your credit report.

For more detailed information on EXACTLY what to do,  check out our video series: Steps To Remove Bad Credit

Safe Haven CreditSafe Haven Credit Membership

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How To Remove Bad Credit – New Video Series

How To Remove Bad Credit

With so many questions being asked about “how to remove bad credit“, we are publishing our first in a video series on just what to do to remove bad credit history.  Take a moment and learn what all credit repair companies use to remove bad credit from your credit report.

Have a question about removing bad credit?  Ask Us

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How To Remove Bad Credit – First order of business

Here is the “Secret” to removing bad credit

There are to steps in rebuilding your credit, the first one is to remove the negative credit history.  We are about to give you the step by step instructions that all credit repair companies use including us in removing bad credit from your credit report.

Follow each video as it comes available. Or if you don’t want to “go it alone” or don’t have the time take a look at Safe Haven Credits month to month membership club.

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Urgent! Start Your Credit Report Repair NOW!

Credit Report Repair – What Must Be Done

It is absolutely urgent that you start repairing your credit report.  Too many companies have found a way to raise there interest rates and fees that they charge you based on having bad credit.  So far it is allowed.  The car insurance industry has been charging higher premiums for years based on a individuals credit scores.  It doesn’t matter that you may have bad credit due to a temporary situation, that alone can constitute years of higher fees.  Mortgages and car loans do the most damage to your finances due to the higher loan amounts and longer terms to repay the debt.

Credit report repair starts with reviewing your credit report and credit scores.  You can get a free credit report at  You can get your free credit scores at report repair

If your credit scores are below 740, it is a fact you are being charged higher premiums and rates.  So let’s check your credit report and see why.
1. How many credit inquires are shown on your credit report.  This indicates that either you or likely a company you do business with is looking at your credit.  Too many of these will lower your credit scores.
2. Do you have collections or judgments showing on your credit.  Often companies like medical and phone companies file collections but do not inform you that they have done so.
3. Do you have late payments?  Were you aware of these?  Late payments within the last 24 months have the largest impact on reducing your credit scores.
4. Does your credit report show any public records such as bankruptcy, child support, etc.
5. Are your balances too high on your credit cards?
6. Are you showing too many prior residences? Believe it or not this is a factor in determining your credit scores.

It would take too long to explain what you can and should do to deal with these issues, so we have created our FREE Credit Report Repair Guide which details in an easy understandable format on the actions you must take.  Don’t wait!  The cost of having bad credit is definitely going up!

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