First steps
- Validate the debt in writing; request itemization and proof you owe it.
- Know limitation periods (vary by province/state).
- No phone admissions; keep communication in writing.
Resolution paths
- Pay for deletion (collector updates to "deleted" or "paid—deleted" where allowed).
- Settle for less with a written agreement on how it will report.
- If identity theft: Dispute and file a police/ID theft report; freeze credit.
After payment/settlement
- Get confirmation letter and monitor your report for correct updates.
- Build positive history to dilute the negative mark over time.
Frequently Asked Questions
Should I pay old collections?
Only if you can negotiate pay-for-delete or need it gone for a loan. Paying doesn't improve score on old debts.
Can I settle for less than owed?
Often yes, especially on older debts. Get any agreement in writing first.
What if the collector won't validate the debt?
They must stop collection activities until they provide validation. Dispute with credit bureaus if they can't validate.