Removing Collections (Credit Repair)

COLLECTION FLOW (remove collections)

15 USC 1692g Validation of Debts
15 USC 1692g(b) Dispute debts
15 USC 1692j furnishing of deceptive forms
15 USC 1681a(m) Transaction not initiated by consumer
15 USC 1681(b) reasonable procedures. Improper utilization of consumer report. (15 USC 1681a(m) R2)
15 USC 1681q obtaining/furnishing information under false pretense
15 USC 1692e(10) using false and deceptive means to collect a debt
15 USC 1681b(a)(3)(a) reporting accounts without permissible purpose
15 USC 1692c(c) ceasing communication in writing
15 USC 1692K collection litigate

The sequence above can be used to remove most collection accounts from your credit report, as long as you understand and apply the correct laws.

What I shared are the laws used in a 10-letter dispute sequence. The actual letter writing is a separate skill, and that part takes practice.

For more complex credit repair situations, especially when you’re dealing with more than just collections, you’ll want to combine multiple sequences strategically.

I’ll continue posting additional sequences in separate posts so you can layer them correctly when needed.

In many cases, tools like ChatGPT can help you draft the letters correctly, but you still need to know what you’re doing.

Hope this helps and gives you a solid starting point.

P.S. Starting December 30th, I’ll be offering credit repair services again. Message me if you want more details.

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