Pay for Deletion:
Contact Convergent Outsourcing at Phone: (800) 444-8485, Fax: (425) 643-1640, or via Mail: P.O. Box 9004, Renton, WA 98057-9004, and inquire about a pay-for-delete agreement. If the agency agrees, ensure to get the agreement in writing. Once the debt is paid, follow up to confirm that the collection is removed from your credit report. Under the Fair Credit Reporting Act (FCRA), you're entitled to dispute inaccurate or unverifiable information, and a pay-for-delete agreement can help expedite the process.

Request a Goodwill Deletion:
If you've already paid the account in full, you can request a goodwill deletion from Convergent Outsourcing or the original lender. In your letter, explain that the debt has been settled and request that the negative item be removed from your credit report. Although not guaranteed, the FCRA allows you to ask for corrections or deletions, especially if the information no longer accurately reflects your financial situation.

Hire a Credit Repair Company:
Credit repair companies can assist in removing negative information from your credit report by disputing errors and negotiating with creditors. Though this option can be more expensive, leveraging professional expertise ensures that your rights under the FCRA are fully exercised, leading to the best possible outcome.

​Miami Credit Repair can help you remove a Convergent Outsourcing collection from your credit report. Our expertise ensures that your disputes are handled efficiently and effectively, with a focus on your legal rights. Visit us at www.miamicreditrepair.site for more information and to get started on improving your credit today.