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Help Hub - Collections

Below are the most frequently asked questions, howtos, and tips about collections. How they impact your credit score, and how you can try and remove them.

What are collections?

If you fall behind on payments, the lender may transfer or sell your account to a collection agent. This generally occurs a few months after you become delinquent. A collection account on your credit report will have a negative impact on your credit score. In some cases, you can dispute it if you feel it’s inaccurate, and you may even be able to get a pay for deletion.

Collections Frequently Asked Questions

Can collections be removed from credit?

If a collection on your credit is accurate and verified, it will stay on your credit report for 7 years. However, many times a professional credit repair company like can negotiate a pay for deletion in exchange for payment with the collection agency.

Should I pay off a collection?

Paying a collection doesn't always improve your credit score. It will stop collectors from harassing you and potentially taking the matter to court.

Do collections go away after paying them?

If you pay or settle a debt with a collection agency, it will show "Paid, or settled for less". It's always a good idea to try and negotiate a pay for deletion with the collector beforehand.

How much will my credit score go up after paying a collection?

To the surprise of many, paying a collection does not improve your credit score. It will however stop harassment and potential lawsuits.

What happens if I pay off all my collections?

Just paying a collection won't increase your credit score. The status will appear as “paid” instead of “unpaid.” That's why it's always a good idea to try and negotiate a pay for deletion before paying a collection. A company like specializes in pay for deletions.

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