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hi im andy a collection specialist at credit sage and my goal is to help people learn how they can remove fair collections and out from their credit report this is in many cases without paying the debt at all so if thats you or someone you know im confident that youre going to walk away from this video knowing what the next best step is to take now this doesnt mean that you shouldnt take action now for example if you know or believe that fair collections and out or any of the other accounts on your credit report are the result of identity theft uh or have a wrong balance after youve already paid or you know any major issues really that are that are seriously affecting your life you may be owed a settlement and we work with a network of local attorneys that will work on your behalf at zero cost win or lose in addition to getting the accounts deleted permanently but if no issues like that exist and you just want the account removed from your credit report we can certainly help wit