C.H.E.S.S Strategix
Remove Collections from Your Credit Report
A collection account drops scores 50–150 points and stays for 7 years. Here's the order of operations that actually gets them deleted — not just marked 'paid.'
No credit card required. Founder-led service since 2018.
What you get
Step 1 — Verify the debt
Send a debt-validation letter within 30 days of first contact. No validation = mandatory deletion.
Step 2 — Dispute with the bureaus
609 + Method-of-Verification request against all three bureaus simultaneously.
Step 3 — Pay-for-delete (last resort)
If the debt is verified, offer 30–50% of the balance in exchange for a written deletion agreement.
What never to do
Never pay a collection without a deletion agreement in writing — payment restarts the reporting clock.
Clients who moved their score
"47 points in 60 days. Three collections gone in the first round."
"Got my mortgage approved at 5.9% instead of 7.4%. Saved more than I'll ever pay them."
"Removed a charge-off the bureau swore was verified twice. The 609 + furnisher combo is real."
Frequently asked
- Can paid collections be removed?
- Yes. Paid collections still hurt your score under FICO 8. Newer models ignore them, but most lenders still use FICO 8.
- How long do collections stay on your credit report?
- Seven years from the original delinquency date — not from the date the collection agency bought the debt.
- Will the collector sue if I dispute?
- Disputing doesn't trigger lawsuits. Ignoring a debt past the statute of limitations does.