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Express Collections: How to Get It Removed from Your Report

Last updated 06/08/2024 by

Silas Bamigbola

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Fact checked by

Express Collections can be a headache on your credit report, but there are ways to address it. Discover effective strategies to remove Express Collections and improve your credit score.
Express Collections can cast a shadow on your credit report, impacting your financial opportunities. However, there’s hope. By understanding how to tackle this issue effectively, you can restore your creditworthiness and pave the way for a brighter financial future.
In this guide, we’ll delve into the intricacies of dealing with Express Collections on your credit report. From understanding their impact to exploring actionable steps for removal, we’ll equip you with the knowledge and strategies to take control of your credit destiny.

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Understanding Express Collections: what you need to know

Express Collections operates as a debt collector, often acquiring delinquent debts from original creditors at significantly reduced prices. These accounts can tarnish your credit report, making it challenging to secure loans or other financial opportunities. It’s crucial to grasp the implications of having Express Collections on your report and how it affects your financial health.

Does Express Collections impact your credit score?

Indeed, Express Collections can have a detrimental effect on your credit score. Any derogatory mark, including collections accounts, can lower your score significantly. Understanding the severity of this impact is essential for devising effective strategies to address the issue.

Strategies for removing Express Collections from your credit report

Removing Express Collections from your credit report is not an insurmountable task. By leveraging certain strategies, you can dispute inaccuracies and potentially have the account removed altogether. Let’s explore some effective methods for addressing Express Collections on your credit report:

Disputing inaccuracies

Scrutinize the information reported by Express Collections for any errors or inaccuracies. If discrepancies are found, file a dispute with the credit bureaus to rectify the issue.

Seeking professional assistance

Consider enlisting the help of credit repair professionals who specialize in handling collections accounts. They can navigate the complexities of credit reporting and advocate on your behalf to achieve favorable outcomes.

Request all correspondence in writing

Ensure a documented record of communications with Express Collections by requesting written correspondence. This helps protect your rights and provides clear evidence in case of disputes. Contact Express Collections at the following address:
Express Collections contact information
PO Box 9307,
Rapid City, SD 57709
+1 605-343-1311

How to file a complaint against Express Collections

If you believe that Express Collections has violated your rights or engaged in unfair practices, you can file a complaint with the appropriate authorities. Here’s how you can proceed:
  1. Federal Trade Commission (FTC): Visit the FTC’s website and use their online complaint form to report any violations of the Fair Debt Collection Practices Act (FDCPA).
  2. Consumer Financial Protection Bureau (CFPB): The CFPB also provides an online platform for submitting complaints against debt collectors.
  3. State Attorney General’s Office: Contact your state’s Attorney General’s Office to file a complaint and seek further assistance.

Understanding your rights under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) provides consumers with specific rights when dealing with debt collectors. Understanding these rights can help you navigate interactions with Express Collections more effectively:
  • Right to validation: You have the right to request validation of the debt, ensuring that the debt collector provides proof of the debt’s legitimacy.
  • Protection from harassment: Debt collectors are prohibited from using abusive or harassing tactics. You can report any such behavior to the FTC.
  • Control over communication: You can specify how and when debt collectors can contact you, including requesting that all communications be in writing.

Steps to dispute a debt with Express Collections

If you believe that the debt reported by Express Collections is incorrect or fraudulent, it’s crucial to dispute it promptly. Follow these steps to initiate a dispute:
  1. Gather evidence: Collect all relevant documents, such as account statements and communication records, to support your dispute.
  2. Send a dispute letter: Draft a formal dispute letter outlining the inaccuracies and provide supporting evidence. Send this letter via certified mail to Express Collections and the credit bureaus.
  3. Follow up: Monitor the status of your dispute and follow up with Express Collections and the credit bureaus until the issue is resolved.

Common mistakes to avoid when dealing with Express Collections

Dealing with debt collectors can be stressful, but avoiding common mistakes can make the process smoother:
  • Ignoring correspondence: Ignoring communications from Express Collections can lead to further complications. Always respond promptly and keep records of all correspondence.
  • Admitting liability: Be cautious about admitting liability for the debt without proper validation. Request proof of the debt before making any payments.
  • Not seeking professional help: If you’re unsure how to proceed, consider seeking assistance from a credit repair specialist who can guide you through the process.


Dealing with Express Collections on your credit report can be daunting, but it’s not insurmountable. By arming yourself with knowledge and employing effective strategies, you can take control of your financial future and restore your creditworthiness.
If you’re struggling to remove Express Collections from your credit report, don’t hesitate to seek professional assistance. With the right guidance and perseverance, you can overcome this obstacle and achieve your financial goals.

Frequently asked questions about Express Collections

Is it possible to negotiate a settlement with Express Collections?

Negotiating a settlement with Express Collections may have varying outcomes. It’s essential to weigh the potential impact on your credit score before proceeding.

Are there any legal implications of ignoring communications from Express Collections?

Ignoring communications from Express Collections may lead to further collection efforts, including potential legal action. It’s advisable to address the issue proactively to avoid escalation.

Is it possible to remove Express Collections without paying the debt?

Yes, it is possible to remove Express Collections from your credit report without paying the debt, especially if there are inaccuracies or errors in the reported information. You can dispute the account with the credit bureaus and Express Collections. If they cannot verify the debt or correct the inaccuracies, they are required to remove it from your report.

What should I do if Express Collections sues me?

If Express Collections files a lawsuit against you, it’s important to respond promptly. Ignoring the lawsuit can result in a default judgment against you. Consult with a consumer rights attorney to understand your options and to ensure you are adequately represented in court. You may be able to negotiate a settlement or contest the validity of the debt.

How long does Express Collections stay on my credit report?

A collection account from Express Collections can remain on your credit report for up to seven years from the date of the first delinquency. Even if the debt is paid off, the account will still appear on your report, but it will be marked as “paid” instead of “unpaid.”

Can Express Collections report a debt that is past the statute of limitations?

Express Collections can report a debt on your credit report even if it is past the statute of limitations for legal action. However, they cannot sue you to collect the debt once the statute of limitations has expired. The reporting time frame and the statute of limitations for suing are separate issues. It’s crucial to know your state’s laws regarding these time limits.

Key takeaways

  • Express Collections can significantly impact your credit score and financial opportunities, making it harder to obtain loans or credit.
  • Removing Express Collections from your credit report requires a proactive approach, including disputing inaccuracies, requesting validation, and possibly seeking professional assistance.
  • Understanding your rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) is crucial for effectively dealing with debt collectors.
  • Request all communications with Express Collections to be in writing to maintain a documented record, which can be useful for disputes.
  • Filing a complaint against Express Collections is an option if you believe they have violated your rights or engaged in unfair practices.
  • Knowing common mistakes to avoid when dealing with debt collectors can save you from further complications and potential legal issues.

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