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if you have accounts like Portfolio Recovery or Midland or calvary or any of those other debt buyer collections on your credit report then stay with me for the next couple of seconds because Im going to tell you exactly how to remove them and what to look for all right so we have three main things that were going to look for and one violation now these are the things that are going to have the highest potential to get these removed okay so number one is going to be past due tell me how a collection which is already past due by default can report a past due a collection regardless of whether it is a debt bar collection or a third-party collection should not have a pass due now likewise it should also not have late payments check out the payment history check out where it says the payment status if it says anything having to do with being late unless you have a payment agreement with them thats also inaccurate and we should also not have an open status we should also not have a high b