How to Remove Harris and Harris from Your Credit Report

Remove harris and harris from credit report
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What is Harris and Harris Collection Agency?

Harris and Harris is a debt collector that works with financial institutions to recover unpaid bills. This collection agency in particular collects unpaid medical and utility bills. The headquarters of the company is located in Chicago, Illinois. If you are seeing this company on your credit report, then they are likely trying to collect an unpaid medical or utility bill they claim you owe.

How does Harris and Harris debt collection work?

The three credit bureaus, Experian, Equifax, and TransUnion collect information from financial institutions to provide ratings on consumers in an effort to determine their creditworthiness. The credit bureaus take into account any unpaid bills that have been sent to collection agencies. Even if you pay off your debt, the collection account can still deal a serious blow to your credit report. This is because collection accounts affect the largest factor of your credit score: Payment History.

Collection agencies often use phone calls and mails to remind you of your overdue payments. In some cases, debt collection agencies may even take legal action against debtors who refuse to pay what they are obligated.

4 Ways to Remove Harris and Harris Collection Agency from Your Credit Report

First, removing a collection account from your credit report can be difficult, but it’s not impossible. Removing just one collection account could result in as much as a 100 point score increase! Here are four strategies you can use to potentially remove this collection from your credit report.

1. Validate the Debt

2.   Dispute Inaccuracies with the Credit Bureaus

One in three credit reports contain an inaccuracy. If your debt validation request did not remove the collection account from your report, review the account for inaccuracies. If you find one, mail a dispute letter to each of the three credit bureaus.

This dispute letter forces the credit bureaus to start an investigation into the account. If they find the account to be inaccurate, it could be removed from your credit report.

3.   Attempt a Pay To Delete with Harris & Harris

Pay to Delete is a resolution strategy in which you negotiate with the collection agency. The goal is to offer a partial or full payment of the unpaid balance in return for removing the account from your credit report. Keep in mind, not all collection agencies accept pay to deletes. Finally, make sure you obtain a signed agreement from a qualified manager at the collection agency before moving forward with payment. Otherwise, there is a chance a payment will not improve your credit score.

4.   Get Help From Cambio

Cambio is a mobile app that makes it easy to improve your credit score. Download the app today to get started on any of the resolution strategies outlined above.


Final thoughts

If you have been the victim of debt collection harassment by Harris and Harris, we hope the strategies mentioned in this article equip you with the necessary knowledge to improve your credit score and get out of debt. Need additional assistance? Reach out to us at support@cambiomoney.com or download Cambio.

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