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Are you being hounded by a debt collection agency?
Are you being hounded by a debt collection agency? Read over these 20 tips to improve your debt collection negotiations before you pick up the phone and speak to one.
The Big Bad Collector
We’ve all been there. We get a call or a letter from a collection agency demanding we pay an overdue bill.
Right. Now!
Let’s face it, collection companies are the worst! They hound and hound us until they get what they want: our money.
And, well, that’s their job, so we can’t get too upset with them…right?
Although it’s tempting to hide from these “baddies,” it’s also smart to cooperate with them. A paid collection helps improve your credit score, but a collection that disappears completely does wonders for it.
But, wait. Before you run off to pay your collector(s), read our collection tips first. Download our book or visit smartwithdebt.com to learn more.
How Fast Can You Improve Your Credit Score?
Have you ever wondered how fast you can improve your credit score? Most cleaning credit companies would like you to think it takes 1-2 years, but that’s not true.
Realistically, you can improve your credit score in 3-6 months (not years). All it takes is:
- Understanding the mistakes you made and the traps you fell into early in life.
- Having an income to support a new loan.
- Learning how to use a broader product mix, more aggressive underwriting, and companies who actually take on extra risks.
We truly believe we can teach you how to negotiate your debt, and how to do it right.
And how to do it fast!