Dispute Collection Accounts the Smart Way

Credit Repair GuideHow to read, dispute and rebuild your credit

Free — takes 60 seconds

Low Credit Finance

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What you need to know

• Don’t rush to dispute it just because it’s there—one wrong move can waste time and slow your credit repair
• First, check whether the collection is actually yours
• Look for the original creditor, the amount, and the date opened

HOOK

Got a collection on your credit report? Don’t rush to dispute it just because it’s there—one wrong move can waste time and slow your credit repair.

→ Low Credit Finance — free, takes about 60 seconds.

[B-roll: close-up of a credit report with a highlighted collection account]

KEY POINT 1

First, check whether the collection is actually yours. Look for the original creditor, the amount, and the date opened. If any of that looks off, that’s where you start.

See what you qualify for

Free to check and it will not affect anything on your end.

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[B-roll: person comparing a bill, credit report, and notebook]

KEY POINT 2

→ See what you could be approved for — free, takes about 60 seconds.

Next, ask for debt validation. A collector should be able to show proof the debt belongs to you and that they have the right to collect it. If they can’t validate it, that matters.

[B-roll: typing a dispute letter, mailing envelope, tracking receipt]

Check your options free

Takes under a minute. No cost to look.

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