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look everybody knows you can get collections removed from your account but how this is one way to find an inaccuracy on your credit report first you gotta jump on identity IQ theres a link in my bio for it so here we go collection slash charge off account has a past due of 864 dollars if its been charged off that means theyve already received the tax break from this account so there shouldnt be a past due amount so in your dispute you need to tell why youre disputing it and tell them exactly what to do this is what it should look like Im blocking out the other accounts in this specific dispute send it off certified mail youre good to go but youve got to be specific in your dispute