One of the first things you can do when dealing with a collection account is to pay off the collection account. You need to do this before the amount is sent in to credit bureaus so to negatively affect your credit score. However, do not simply send in a check to cover the amount you may or may not owe. On the bottom left-hand corner of the check, in the memo line, write the words “Pay in Protest.” This shows that, while you are paying off the account, you are still protesting that you do not actually owe the business in question.
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