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Collect America

 

Founded in 1994 with headquarters in Denver, Colorado, Collect America specializes in collecting unpaid consumer debt such as retail debt or credit card charge offs. Collect America purchases delinquent accounts from original creditors and then attempts to collect more from the consumer than what they paid for the debt in order to make a profit. Collect America also works on a contingency basis for third party creditors and keeps a percentage of the overall amount collected.

As collection agencies have been reported to frivolously report derogatory information to the credit reporting agencies in their attempt to collect debt, numerous laws to include the Fair Debt Collection Practices Act have been put in place to protect the American consumer. Although these laws have been enacted, many collection agencies are still known to operate illegally by employing unscrupulous techniques in their attempt to collect debt. To further protect the consumer, other laws such as the Consumer Credit Protection Act have been passed that allow the American consumer to dispute and potentially delete the negative information placed on their credit file by collection agencies that employ techniques such as the frivolous reporting of negative information.

I had many collections, charge offs, civil liens and judgments being reported on my personal credit file that were damaging my credit score and affecting my ability to obtain credit. Deciding it was time to do something about it, I attempted to perform credit repair myself by contacting collection agencies similar to Collect America in an attempt to negotiate some kind of arrangement with them in order to remove the negative information on my credit report. Dealing with collection agencies like Collect America was more time consuming and disturbing than I could have possibly pictured but even worse, none of the collection agencies were willing to work with me and continued to report the damaging information to the credit bureaus. It didn't take long for me to understand that credit repair wasn't going to be easy for me to do myself.

I needed results and didn't have the patience or hundreds of hours it was going to take so I contacted Credit Restoration Bureau and they immediately began working to repair my credit. They were able to raise my credit score by deleting various types of derogatory items from my consumer credit file such as late payments, collections, charge offs and judgments (see the letter below). Working with Credit Restoration Bureau was a much more pleasant and worry free experience than I could have hoped for. Each time I received an update from Credit Restoration Bureau, I was delighted to see they were continuing to have a positive effect on my credit score. By the time Credit Restoration Bureau was finished, my scores had all gone up approximately 150 points and I was in the 700s. They had truly given me a fresh start.

Here is one of the update letters I received from the credit bureaus. This one is from TransUnion and shows the deletion of an InoVision collection account, one late payment and two civil judgments. InoVision is a collection agency similar to Collect America.

Credit Restoration Bureau was amazing and I would recommend them to anyone struggling with bad credit or being harassed by collection agencies like Collect America. Credit Restoration Bureau specializes in the removal of all types of derogatory credit itmes to include: late payments, collections, charge offs, bankruptcies, tax liens, civil liens, foreclosures, repossessions and more.