Repairing Credit: 21 Things You Should Never Do
1. Don’t supply too much information. You may accidentally verify the negative items in your credit history.
This makes them impossible to remove later.
2. Don’t deal with collectors, a debt planner, or a credit reporting agency over the phone, unless you are
extremely confident and have nerves of steel. A paper trail is important!
3. Don’t close accounts for the sake of closing accounts. Some of these accounts may be helping your credit
4. Don’t dispute an account without verifying and double-checking the account numbers. You may
accidentally dispute or delete a wrong account.
5. Don’t dispute positive information (long history account, paid-on-time accounts, etc.). Those positive lines
can accidentally get deleted from your credit history if you’re not careful.
6. Don’t sign anything sent to a collection agency. At shady collection agencies, signatures have a habit of
jumping from one document to another.
7. Don’t ignore your state’s statute of limitation.
8. Don’t confuse statue of limitation with the reporting time limit on your accounts. Just because a debt has
passed the time limit for a lawsuit does not mean the accounts will no longer be reported on your credit
9. Don’t attempt to dispute a negative entry in your credit history (that’s incorrectly positive on another report)
by using the claim “This other reporting agency shows it as positive.” Credit reporting agencies share all
negative information. If a negative is incorrectly positive, they will inform the other agencies of the
10. Don’t send your bankruptcy paperwork (or any part of it) to credit reporting agencies!
11. Don’t add the 100-word “personal statement” to your credit files. They will generally do more harm than
12. Don’t give the collection agencies your banking account information or anything with your financial
information on it (bank statements, post-dated checks). Shady collection agencies will have no qualms
about withdrawing funds from your account.
13. Don’t pay the collection agencies with a personal check. Use a money order.
14. Don’t send written communication to collection agency via regular first-class mail. Use certified return-
receipt requests for all of your correspondence. You will need proof that you’ve sent or requested certain
15. Don’t send any payment in until you have a clear written agreement on what will occur after you make
16. Don’t assume your credit scores and history will improve just by paying off a collection. As with the above
tip, ensure that you have negotiated for the removal of the negative item in question before you pay a
17. Don’t call a collection agency with your home phone number! If need be, use the many available VoIP
services out there.
18. Don’t send a cease-and-desist letter to a collection agency unless you have done your homework. If you
leave out important key words, and the account in question is still within the statue of limitations, you may
be forcing a collection agency to sue you! Leaving room for further correspondence through mail may be a
better option than a complete cease-and-desist letter.
19. Don’t take the word of a customer service representative from a collection agency or credit reporting
agency as fact. Remember to always do your own research before taking a specific course of action.
20. Don’t give up and don’t get discouraged! Repairing a credit history from bad credit to excellent credit is
entirely possible as long as you have the will, discipline, and patience.
21. Never pay for a collection over the phone!