Skip to content
SuperMoney logo
SuperMoney logo

How to Remove Quick Collect from Your Credit Report

Last updated 07/10/2024 by

Silas Bamigbola

Edited by

Fact checked by

Facing interactions with debt collectors such as Quick Collect can be overwhelming and frustrating. If you have overdue bills, Quick Collect might appear on your credit report as the entity tasked with recovering the debt. Fortunately, there are actions you can take to manage these interactions and protect your rights. This detailed guide explores how Quick Collect affects your credit score, offers methods for disputing and removing the account, explains your legal rights, provides negotiation strategies, and outlines steps to secure your financial well-being.

Get Competing Personal Loan Offers In Minutes

Compare rates from multiple vetted lenders. Discover your lowest eligible rate.
Get Personalized Rates
It's quick, free and won’t hurt your credit score

Understanding Quick Collect

Quick Collect is a debt collection agency that focuses on collecting debts for various industries, including healthcare, education, and financial services. They handle different types of debts such as medical bills, credit card debts, and student loans. Quick Collect acquires these debts by purchasing delinquent accounts from other creditors or by taking on debts on a contingency basis, meaning they only get paid if they successfully collect the debt. This can sometimes lead to more aggressive collection tactics, which may result in consumer complaints.

Industries served by Quick Collect

  • Healthcare: Quick Collect handles overdue medical bills from hospitals, clinics, and private practices.
  • Education: They collect delinquent student loans and other education-related debts.
  • Financial services: This includes unpaid credit card debts, personal loans, and other financial obligations.

How to remove Quick Collect from your credit report

Removing negative items from your credit report, such as those from collection agencies like Quick Collect, can help improve your credit score. Here are a few steps you can take:

Negotiate a settlement

If the debt is valid, offer to pay a portion of it in exchange for removing it from your credit report. Make sure to get any agreement in writing before making any payments.

Dispute the debt

If you don’t believe the debt is accurate, dispute it with each credit bureau by writing a letter and providing documentation that supports your dispute.

Hire a credit repair company

A reputable company like Credit Glory can help you dispute the debt and improve your credit score if you are still having trouble removing Quick Collect from your credit report.

Pro tip

Dispute any inaccuracies in writing and send your dispute to the credit bureaus via certified mail to ensure it is tracked and received.

Common complaints about Quick Collect

Quick Collect has faced several customer grievances over the years. Here are some common complaints:


Some customers have accused the collection agency of overwhelming and persistent collection calls, which can come off as hounding and frequently happen at inappropriate hours.

Incorrect information

Some customers have reported that Quick Collect inaccurately reported debt owed on their credit report or even threatened to sue them for debts they do not owe.

Lack of transparency

Many customers have expressed frustration with the collections agency for not being forthright about their debt’s specifics, such as the amount owed, original creditor, or how long ago the debt was incurred.

Understanding Quick Collect’s legal rights to sue or garnish wages

Quick Collect can legally sue you for unpaid debts and, in some cases, garnish your wages. However, they must comply with specific rules and regulations outlined in the FDCPA.

Legal steps for suing

Quick Collect must first attain a court order to sue you for unpaid debts. They may also garnish your wages if they secure a judgment against you in court. Federal and state laws define how much of your wages they can garnish.

Pro tip

If Quick Collect threatens you with legal action or garnishment, it is necessary to be fully aware of your legal rights and seek legal assistance where appropriate.

Identifying and resolving common credit reporting errors

Credit reports are essential in determining one’s creditworthiness and financial stability, but they can be plagued by errors that can weaken your credit score and hinder your ability to secure loans or credit. Here are some common errors to watch out for:

Incorrect personal information

Even minor inaccuracies in your name, address, and Social Security number can lead to erroneous reporting that could impact your credit report and score.

Duplicate accounts

A single account that appears more than once in your credit report can happen if a creditor sells your debt to another agency or if there is a data entry mistake.

Inaccurate account information

Ensure that your account balance, payment history, and payment dates match what should be on your credit report. Discrepancies can occur if creditors or credit bureaus file erroneous reports.

Fraudulent accounts

Unauthorized accounts opened in your name can become a bump on the road for your credit score. Check for any unfamiliar accounts on your credit report.

Pro tip

Monitor your credit report regularly to catch any inaccuracies early and address them before they become bigger issues.

Request all correspondence in writing or how to contact them

Request all correspondence in writing

Ensure a documented record of communications with Quick Collect by requesting written correspondence. Contact Quick Collect at the following address:
Quick Collect contact information
PO Box 55457, Portland, OR 97238
5500 NE 107th Ave, Vancouver, WA 98662

How to file a complaint against Quick Collect

Filing a complaint

If you believe Quick Collect has violated your rights under the FDCPA or FCRA, you have the option to file a complaint. Here’s how:
  1. Consumer Financial Protection Bureau (CFPB): File a complaint online here or by calling 1-855-411-2372.
  2. State’s Attorney General: You can also file a complaint with your state’s Attorney General’s office. Contact information for your state’s Attorney General can typically be found on their official website.
  3. Federal Trade Commission (FTC): File a complaint online here.

Documenting your complaint

When filing a complaint, it’s important to provide as much detail as possible. Include the name of the debt collector, the date and time of the alleged violation, and any supporting documentation such as letters, emails, or phone records. This information will help the authorities investigate your complaint more effectively.

Following up on your complaint

After filing your complaint, follow up with the relevant agency to ensure that your case is being handled. Keep records of all communications and updates related to your complaint. If you do not receive a satisfactory resolution, you may need to consult with a consumer protection attorney to explore further legal action.

Understanding your credit report

It is crucial to regularly review your credit report to ensure all the information is accurate. This includes checking for any accounts reported by Quick Collect. You can obtain a free credit report from each of the three major credit bureaus (Experian, Equifax, and TransUnion) annually at

Steps to dispute a debt with Quick Collect

When disputing a debt with Quick Collect, follow these steps:
  1. Request a debt validation letter to verify the debt details.
  2. Gather evidence supporting your dispute, such as payment records or correspondence.
  3. Submit a written dispute to Quick Collect and the credit bureaus, including all supporting documentation.
  4. Follow up to ensure your dispute is being processed and resolved.


Dealing with Quick Collect can be challenging, but understanding your rights and taking proactive steps can help manage the situation. By knowing how to dispute debts, negotiate settlements, and protect your credit report, you can mitigate the impact on your credit score and financial health. Always ensure communication is documented, seek legal assistance if necessary, and monitor your credit report regularly to address any inaccuracies promptly. Empower yourself with knowledge and resources to handle debt collectors effectively and safeguard your financial future.

Frequently asked questions

How long does a collection account stay on my credit report?

A collection account can remain on your credit report for up to seven years from the date of the first delinquency.

Can paying off a collection account improve my credit score?

Paying off a collection account may improve your credit score slightly, but the negative mark will still remain on your report for up to seven years. Negotiating a pay-for-delete agreement can be more beneficial if you can get the debt collector to agree.

What should I do if Quick Collect violates my rights?

If you believe that Quick Collect has violated your rights under the FDCPA or FCRA, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or seek legal advice to explore your options for recourse.

Can I remove a collection account by disputing it?

Yes, if the information on the collection account is inaccurate, unverifiable, or fraudulent, you can dispute it with the credit bureaus to have it removed from your credit report.

How can I prevent future collection accounts on my credit report?

To prevent future collection accounts, manage your debts responsibly, make timely payments, and monitor your credit report regularly for any inaccuracies or signs of identity theft.

Is Quick Collect a legitimate company?

Yes, Quick Collect is a legitimate debt collection agency. They are not a scam or fake company, but they may engage in aggressive collection tactics such as frequent phone calls or letters. It is important to know your rights when dealing with debt collectors to protect yourself from harassment and ensure fair treatment.

Why does Quick Collect keep calling me?

Quick Collect is attempting to collect a debt by contacting you through phone calls. If these calls are frequent or harassing, you have the right to request they cease communication. Sending a written request to stop contact can help manage the situation. If harassment continues, you may need to seek legal assistance.

Will Quick Collect try suing or garnishing my wages?

While it is rare for Quick Collect to sue, it is not impossible. If they decide to pursue legal action, you will receive a summons to appear in court. It is important to respond to any legal notices promptly. Wage garnishment can only occur if a court judgment is obtained against you. State and federal laws provide certain protections and exemptions regarding garnishment.

Key takeaways

  • Quick Collect is a legitimate debt collection agency that can significantly impact your credit score.
  • You have the right to request debt validation and dispute any inaccuracies in your credit report.
  • Negotiating a pay-for-delete agreement can potentially remove the negative mark from your credit report.
  • Seek professional help if you need assistance managing disputes or negotiating with debt collectors.
  • Understanding your rights under the FDCPA and FCRA can help you protect yourself from unfair collection practices.

SuperMoney may receive compensation from some or all of the companies featured, and the order of results are influenced by advertising bids, with exception for mortgage and home lending related products. Learn more

Loading results ...

Share this post:

You might also like