Should I dispute a collection account on my credit report?

Your credit report contains a ton of information about your credit management practices. Loans, credit cards, bankruptcies, collection accounts, credit inquiries, and other information commonly appear on credit reports and are used as a basis for your credit score, which is a key part of whether you get approved for credit.  Because this information is so important when you apply for a loan or credit card, it’s important that all the information on your credit report is accurate. If you believe any account information is incorrect, you should dispute the information to have it either removed or corrected. If, for example, you have a collection or multiple collections appearing on your credit reports and those debts do not belong to you, we can dispute them and have them removed. However, if they are a result of missed payments on accounts you own, disputing them will not change your credit file.  Even if it turns out the negative information is accurate, we can still help you settle the debt and likely get it removed from your credit report. We’ve helped thousands of consumers with debt collectors and credit report problems.  Contact Mike Agruss Law today to learn about your consumer rights.