![]() Whatever your credit needs are, take a look at our list of the best credit repair companies to choose one that’s a good fit for you. Their assistance can also be key to recovering from identity theft, which could be to blame for debt collectors contacting you. They can work on your behalf to ensure that AWA follows the FDCPA in its dealings with you, and they’ll do what it takes to get them off your credit report.Ĭredit repair companies also help out with issues like: If you aren’t too keen on the idea of writing debt validation letters and negotiating payments, you can leave it to the experts.Ĭredit repair companies are highly qualified to handle every element of repairing your credit, even if your problems go deeper than a collections entry or two. Hire a Professional Credit Repair Company You should see the entry deleted from your report within a month of making your payment. Once again, be sure to get everything in writing, so you and AWA are on the same page. There’s a solid chance that you’ll be able to get the entry off at a negotiated rate. When you enter negotiations with AWA, start by seeing if they’ll accept 50% of what you owe to close your account and work from there. Instead, you need to get the agency to agree, in writing, to withdraw their collection entry from your credit report if you submit payment. ![]() It might end AWA’s barrage of phone calls, but it won’t do your credit much good, which is the biggest concern. When debt validation isn’t a viable option, it’s time to break out your debit or credit card.īut you shouldn’t just log on or pick up the phone and pay the amount you owe. ![]() Say AWA was able to validate your debt, or they’ve been contacting you for longer than a month. That means they’ll stop calling and sending you letters, too.ĪWA may very well have the documentation it needs to validate the debt, but it’s worth a shot. Without proof of your debt, they’ll have to update the three main credit bureaus to have your entry deleted. But it’s also a smart move when the debt AWA is seeking to collect does belong to you.Īgencies like AWA are third-party collectors, meaning they might not have what they need to back up their collections attempts. If you’re the victim of a reporting error, this strategy is the best way to straighten things out. You could get the entry deleted with nothing but a debt validation letter.
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