Collect America LTD Collection Agency
Collect America is a major U.S. collection agency with headquarters located in Denver, Colorado. Collect America specializes in collecting delinquent consumer debt such as retail debt or credit card charge offs. Collect America purchases delinquent accounts from original creditors and then pursues debtors whereby their goal is to collect more than they paid for the debt. Collect America also works on a contingency basis for third party creditors whereby they keep a percentage of the overall amount collected.
Collect America utilizes common debt collection methods hoping to pressure unrepresented debtors into paying on overdue debts. One such method Collect America frequently uses is to report damaging credit history to the credit reporting agencies. Collect America may appear on your credit report as a "Collect America Charge Off", "Unpaid Charge Off", "Collection", "Placed for Collection", or "Collection - Paid for Less." These marks reflect negatively on your credit history and can prevent you from obtaining financing for life's necessary things such as a home or automobile.
Fortunately consumer protection laws are in place to protect you from abusive collection agencies. The Fair Credit Reporting Act provides you with a way to eliminate collection agencies like Collect America from your credit history. You may want to study these laws and try "self-help" credit repair to rid your credit report of Collect America. Another alternative is to have a credit repair law firm clean up your credit report and improve your credit score.
I had many collection agencies reporting damaging information on my credit so I hired a law firm to clean up my credit history.
How the Lexington Law Firm Cleaned Up my Credit History
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I began repairing my credit by contacting collection agencies similar to Collect America hoping to bargain with them in exchange for deleting the negative credit report information. However, the agencies flatly refused to correct my credit report and continued to damage my credit history. The whole process was more frustrating that I anticipated.
I needed to clean up my credit sooner rather than later so I contacted Lexington Law Firm and they immediately began repairing my credit. They got rid of the collection agencies and also fixed other items including a large credit card judgment and charge offs (see the letter below).
I actually enjoyed checking the mail and opening letters from Lexington Law showing me that negative collection agencies were deleted from my record. Plus, getting rid of the negative credit improved my score. Each time Lexington Law deleted an item, my credit score improved by about 20 points or so. Overall my credit score improved from 588 to 729!
Here is one deletion letter showing 2 Charge Offs and a Judgment Deleted!
Letter Showing Negative Credit was Erased From my Credit History  |
My Credit Score of 729 is Above the National Average
Once my credit history was cleaned up my credit score was actually above average for the first time in years! Because of the work Lexington Law did on my credit, my score improved by more than 140 points.
Here is a chart which shows each month of improvement:
Credit Score Chart  |
I would recommend the Lexington Law Firm to anyone struggling with bad credit or fighting with collection agencies like Collect America . The Lexington attorneys can delete all kinds of negative credit including bankruptcies, judgments, collections, charge offs, and more.
Delete Collect America and Raise Your Credit Score Today!