ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Why You Should Never Pay A Collection Agency & Still Get it Off Your Credit Report

Updated on February 24, 2015

You've been called by them, and intiminated..its time for you to fight back.

Having loads of debt can really stress you out. It can be so bad that you want to just file bankruptcy and end those aggravating collection calls. The truth is these collection companies want to intimidate you so you will pay them. Collection companies have more scams than most websites out there. Collection agencies don’t want you to know your rights.

When you are in debt, the lender has a certain amount of years that they can come after you, and sue for the amount owed to them. This is called the statute of limitations. It can be different for every state and for different kinds of debts. Anywhere from 4-6 years is usually the average. Most people do not even know this, and just make payments to collection agencies anyway. Collectors have a way to scare you into paying them, and most of what they say are down right lies. I have had my share with them, and I know how mean and scary they can be.

The first thing you need to know is that by law, you do not even owe a collection agency until they validate the debt. They are not supposed to come after you unless it is validated. They ruin your credit report and score when they report wrong information on purpose just to scare you into paying them. In many cases, you don’t even have to send them a letter validating debt because the collection can be deleted from your report just by disputing it with the bureaus. Bureaus will delete the collection if they do not validate it to them. I had a debt that was listed on a collection on my report and they reported incorrect information re-aging the account. I disputed it with all 3 bureaus, and it got deleted every time. Always try to do that first. If that fails, then sending a certified letter to the collector for validation is the best. They must have proof of the original lender, the signed contract and bills.

Almost 100% of the time, they don’t have all those records. This is where you win, and even if you do owe money you can get out of it. Do not let collectors intimidate you and make you pay because paying on a collection hurts your score even more. When you pay a charged off account or a collection it can make it new. Collectors often re-age accounts, which is where they make a new date for when you last missed a payment, or the date of opening the account. This is actually against the law, and by itself can get the collector off your report. Re-aging sets the clock back on your account and can make it stay for an additional 7 years. Collectors do illegal things like this all the time just to be paid.

Don’t fall for these tricks! Never pay them unless they validate the debt, and make sure they don’t re-age your account. If you are in doubt about the account’s dates and payments, DISPUTE. It is easy to dispute you can go to Equifax, Experian, or Transunion’s websites and make an online dispute. Collectors are aggressive and will take on a debt way past the statute of limitations illegally. Don’t let them take advantage of you, fight back. Get yourself that good credit that you deserve, and you don’t have to go bankrupt.

Find out how to get your credit score for free without scams on a daily basis:


    0 of 8192 characters used
    Post Comment
    • profile image

      Katie Wheat 

      2 years ago from South Carolina


      It's possible the original company (OC) sold the debt to a debt buyer. That would be a reason the OC could no longer do anything about it.

      Is the OC reporting on your credit report?

      You also need to check your state laws. In most states, making a payment on a debt resets the statute of limitations.

    • profile image


      3 years ago

      So.. If you have already started payments on a collections debt, is there anything you can do at that point? Or does it all have to be done before any payments are made? I'm in this situation and would love to be done with it... They came after me with a 2 year old bill that I never got any bills from the original company, and the original company said there was nothing they could do once it was sent to collections... I find that hard to believe, since I've had other companies reverse the collections and do a payment plan with me... What can I do?

    • profile image


      5 years ago

      I appreciate your kind and gnroeues advice a lot!. I have been trying it hardly and did not get those amazing results!. It is nice to see that you got my comment in a good way!God bless you!VA:F [1.9.10_1130]please wait VA:F [1.9.10_1130](from 0 votes)

    • profile image


      5 years ago

      So excited I found this article as it made things much quikcer!

    • Reynold Jay profile image

      Reynold Jay 

      6 years ago from Saginaw, Michigan

      Sounds like good information to me. Well done and thank you for following me. I'll check out your Hubs as often as I can.

    • JessicaSmetz profile imageAUTHOR

      Just Ask Jess 

      6 years ago from Phoenix, Arizona

      Thanks for the question. Well you're in luck usually when coming from a different state because of the SOL. Yes you are going by the state you made the debt in. If you google all the states SOL, it will tell you and you can mail them a letter stating that, so they have to drop it off your report. If they have original dates wrong that is definitely disputable, sometimes even re-aged dates arent allowed if they show no original date.

    • profile image


      6 years ago

      Hi! TY so much for this post. I mailed out my 1st two validation letters today to a few collection comp's. Here's my question...

      I am in a new state from the state in which I accrued a debt that is now in collections. When it comes to the SOL, I am still going by the state in which the debt originated as opposed to the state I'm now in, yes?

      My second question is, when you say dispute the incorrect dates, is it the re-aged date of dispute or the original? TY again!

    • JessicaSmetz profile imageAUTHOR

      Just Ask Jess 

      8 years ago from Phoenix, Arizona

      Thats great that you learned some new things..they can be pretty evil sometimes.

    • d.william profile image


      8 years ago from Somewhere in the south

      Welcome to hub pages.

      Good article. I had my share with those collection monsters over the years and have learned how to get them to stop, but i learned a few new tricks from you. Hopefully, i will never have to use them, but they are nice to know in the future, or to help someone else going through that fiasco.

    • JessicaSmetz profile imageAUTHOR

      Just Ask Jess 

      8 years ago from Phoenix, Arizona

      Thank you. So many people don't know this information so I think it is good to spread my knowledge. Just make sure you never admitt debt to them and that you never say you will pay. I never answer calls from not provided or unknown cuz they are usually collectors lol.

    • skye2day profile image


      8 years ago from Rocky Mountains

      Jessica I did not know this info. Great job writing Jessica. Collectors are full of the tricks of the trade indeed. In my situation I tell them there is no way I can possibly pay the debt nothing like nada, for now. I make no promise of a future date. I tell them to do what they must do and if my situation changes the debt will be paid. They rarely ever call back. Take no threats from these guys that is against the law and it is ok to tell them!!! Thank you for a useful helpful hub of love. Keep em coming girl.

    • JessicaSmetz profile imageAUTHOR

      Just Ask Jess 

      8 years ago from Phoenix, Arizona

      Your welcome, thanks for reading. I think all of us have encountered something like this one time or another. I am enjoying it here so far!

    • profile image


      8 years ago

      Thanks for the useful information, Jessica. I have been having some issues in these areas, and I always think that it's best to be informed as much as possible. Welcome to Hubpages, by the way! Great article, well-written.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)
    ClickscoThis is a data management platform studying reader behavior (Privacy Policy)