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How to Remove Johnstown Credit Collection from Your Credit Report

Last updated 06/28/2024 by

Silas Bamigbola

Edited by

Fact checked by

Johnstown Credit Collection is a debt collection agency that reports collection accounts on your credit report. This article explores how they operate, the impact on your credit score, and methods for removal. Learn about your rights, options for dispute, and strategies to manage or eliminate debt effectively.
Debt collection agencies like Johnstown Credit Collection can be a significant stressor for individuals managing their finances. They purchase or are hired to collect unpaid debts, often appearing on your credit report and negatively impacting your credit score. This comprehensive guide will help you understand how Johnstown Credit Collection operates, the effects on your credit, and strategies to remove or manage these collections.

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Who Johnstown Credit Collection collect for

Johnstown Credit Collection is a debt collection agency that either purchases debt from original creditors or is hired to collect on their behalf. They work with various lenders, including credit card companies, loan providers, and other financial institutions. Their primary goal is to recover unpaid debts, often by paying a fraction of the original amount to the creditor and then pursuing the debtor for the full balance.

How debt collection works

Debt collection agencies like Johnstown Credit Collection typically buy debts for pennies on the dollar. For example, if the original debt was $1,000, they might purchase it for $100. They then seek to collect the full $1,000 from the debtor, which can result in significant profit for the collection agency.

Pro Tip

If you notice a collection account on your credit report, don’t panic. Start by verifying the debt and its accuracy. Requesting debt validation from Johnstown Credit Collection can be a crucial first step.

The impact of collections on your credit

Having a collection account can reduce your chances of getting approved for new credit, such as loans or credit cards. It signals to lenders that you have struggled to repay debts in the past, making you a higher risk.

Pro Tip

Regularly monitor your credit report to catch any errors or unauthorized accounts early. You are entitled to a free credit report every 12 months from each of the three major credit bureaus at

Steps to dispute and remove collections

1. Request a debt validation letter from Johnstown Credit Collection to ensure the debt is accurate and belongs to you.
2. If errors are found, file a dispute with the credit bureaus (Equifax, Experian, and TransUnion).
3. Provide any supporting documentation to the credit bureaus to substantiate your claim.
4. Follow up regularly to ensure the collection account is removed if it’s proven to be inaccurate.

Pro Tip

Understand your rights under the Fair Debt Collection Practices Act (FDCPA). Debt collectors must follow specific rules, and any violations can be used in your defense.

Request all correspondence in writing

Ensure a documented record of communications with Johnstown Credit Collection by requesting written correspondence. Keeping everything in writing helps protect your rights and provides evidence if any disputes arise. Contact Johnstown Credit Collection at the following address:
Johnstown Credit Collection contact information2355 Bedford St #4, Johnstown, PA 15904, United States
+1 814-535-2513

How to file a complaint against Johnstown Credit Collection

If you believe that Johnstown Credit Collection has violated your rights or engaged in unfair practices, you have the option to file a complaint. There are several ways to do this:
  • Consumer Financial Protection Bureau (CFPB): Visit the CFPB complaint portal to submit your complaint online.
  • Federal Trade Commission (FTC): File a complaint with the FTC by visiting
  • State Attorney General: Contact your state’s Attorney General’s office to file a complaint.

Understanding your rights under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) provides numerous protections for consumers against abusive debt collection Some of these rights include:
  • Debt collectors must identify themselves and notify you that any information you provide will be used to collect the debt.
  • They cannot call you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree to it.
  • You have the right to dispute the debt and request verification within 30 days of the initial contact.

Options for disputing inaccurate information

If you find inaccuracies on your credit report related to Johnstown Credit Collection, it’s important to dispute the information promptly. The dispute process involves:
  • Contacting the credit bureaus (Equifax, Experian, and TransUnion) to file a dispute.
  • Providing evidence to support your claim, such as payment records or correspondence.
  • Following up with both the credit bureaus and Johnstown Credit Collection to ensure the issue is resolved.

Negotiating a pay-for-delete agreement

While not always successful, negotiating a pay-for-delete agreement can be a strategy to remove the collection account from your credit report. This involves offering to pay the debt in full or part in exchange for the deletion of the collection entry. Steps to negotiate this include:
  • Contact Johnstown Credit Collection and make a formal request for a pay-for-delete arrangement.
  • Get any agreement in writing before making any payments.
  • Ensure that the deletion is confirmed by the credit bureaus once the payment is made.


Dealing with debt collectors like Johnstown Credit Collection can be challenging and stressful. Understanding how they operate, the impact on your credit, and the steps you can take to dispute or settle debts is crucial. By leveraging your rights and staying informed, you can manage and potentially eliminate these negative marks on your credit report.

Frequently asked questions

What should I do if Johnstown Credit Collection contacts me about a debt I don’t recognize?

If you are contacted by Johnstown Credit Collection regarding a debt you don’t recognize, request a debt validation letter. This letter will provide details about the debt, including the original creditor and the amount owed. You have the right to dispute the debt if it appears to be inaccurate or fraudulent.

How long do collection accounts from Johnstown Credit Collection stay on my credit report?

Collection accounts can remain on your credit report for up to seven years from the date of the first delinquency. Paying off the debt will change its status to ‘paid,’ but it will still be visible on your report for the same duration.

Can Johnstown Credit Collection sue me for an unpaid debt?

While it’s uncommon, Johnstown Credit Collection can sue you for an unpaid debt. If you receive a lawsuit notice, it’s important to respond promptly and consider seeking legal advice. Ignoring the notice can result in a default judgment against you.

What are my rights under the Fair Debt Collection Practices Act (FDCPA) when dealing with Johnstown Credit Collection?

The FDCPA protects you from abusive debt collection practices. This includes prohibiting calls at inconvenient times, harassment, and false statements. You have the right to request verification of the debt and to dispute any inaccuracies.

How can I remove a Johnstown Credit Collection account from my credit report?

To remove a Johnstown Credit Collection account from your credit report, you can dispute inaccuracies with the credit bureaus, negotiate a pay-for-delete agreement, or wait for the account to fall off after seven years. Regularly monitoring your credit report can help you catch and address errors promptly.

Does paying off a debt to Johnstown Credit Collection improve my credit score?

Paying off a debt to Johnstown Credit Collection changes its status to ‘paid,’ which is better than having an unpaid debt. However, the account will still remain on your credit report for up to seven years, which can continue to impact your score. Over time, the impact on your score will lessen.

Key takeaways

  • Johnstown Credit Collection is a legitimate debt collection agency.
  • Collection accounts can significantly impact your credit score.
  • Dispute inaccurate or fraudulent collections to potentially remove them.
  • Understand your rights under FDCPA and FCRA.
  • Regularly monitor your credit report to catch errors early.

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