Service
Collection Account Review
Review collection entries for accuracy, ownership, balances and reporting timelines.
What the review involves
- Verifying that the collection is reported against the correct consumer
- Checking balances and dates against the original creditor's records
- Confirming the account is within the applicable reporting period
What information is examined
- Original creditor, current owner and chain of assignment
- Date of first delinquency and reporting age
- Balance discrepancies between bureaus
- Duplicate reporting of the same underlying debt
What you receive
- A written assessment of each collection entry
- An explanation of your rights regarding validation
- A prepared, documented approach for entries you choose to address
What happens afterward
Where an entry appears inaccurate, we prepare and support the appropriate dispute or validation request and monitor the response window.
What this service is not
Creditxora cannot remove accurate, current and verifiable information from a credit report, and does not guarantee any specific score change, deletion or approval. You also have the right to dispute inaccurate information with the credit bureaus yourself, at no cost.Ready to see what's actually on your reports?
Complete the assessment and a Creditxora specialist will review your request and contact you regarding the next appropriate steps.
No obligation. Your information is kept confidential and is never sold.