How to Remove Collectech Diversified From Your Credit Report

If Collectech Diversified is showing up on your credit report, it usually means you have an unpaid debt that’s been sent to collections. Accounts like this can hurt your credit score, but there are steps you can take to fix it.

Who Is Collectech Diversified?

Collectech Diversified, Inc. (CDI) is a legitimate debt collection agency based in Lubbock, Texas. They collect past-due debts on behalf of other companies, especially in Texas, New Mexico, and Oklahoma.

You might see Collectech Diversified on your credit report if a healthcare provider, government agency, or large institution has sent an unpaid debt to collections.

Who Does Collectech Diversified Collect For?

Collectech Diversified mainly works with:

• Medical providers and healthcare systems
• Government entities
• Large institutions across Texas, New Mexico, and Oklahoma

If you have an unpaid medical bill, government fine, or similar debt in these regions, Collectech Diversified may be trying to collect it.

Is Collectech Diversified a Legitimate Company?

Yes, Collectech Diversified is a real and authorized collection agency. But that doesn’t mean every debt they report is accurate. Always verify the debt before agreeing to pay.

How to Remove Collectech Diversified From Your Credit Report

Collections can stay on your credit report for up to seven years, even after they’re paid. Here are your options to get them removed:

• Dispute the account with the credit bureaus if there are errors or the debt isn’t yours.
• Negotiate a pay-for-delete agreement, where you offer payment in exchange for having the account removed.
• Work with a reputable credit repair service to help dispute or remove the account.

Should You Contact or Pay Collectech Diversified?

It’s always smart to verify the debt before reaching out or making payments. Some debts are inaccurate or past the statute of limitations, and paying them can restart the clock, hurting your credit even more.

Many people choose to work with credit repair professionals to help handle these situations properly.

Will Collectech Diversified Sue or Garnish Your Wages?

Collectech Diversified has the right to sue for unpaid debts. If they win in court, they could garnish your wages or levy your bank account, depending on state laws.

That said, lawsuits are usually a last resort. Collectors often prefer to work out a payment plan or settlement first.

Collectech Diversified Complaints

Like most collection agencies, Collectech Diversified has complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:

• Inaccurate reporting
• Harassing phone calls
• Failure to verify debts

If you believe your rights are being violated, you can file a complaint with these organizations.

Your Rights When Dealing With Collectech Diversified

Under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA), you have protections, including:

• The right to dispute inaccurate information
• The right to request debt validation within 30 days
• Protection from harassment, threats, or abusive language
• The requirement that collectors identify themselves and their purpose
• Protection from false threats of arrest or imprisonment

Collectech Diversified, Inc. Contact Information

Collectech Diversified, Inc.
1721 45th St.
Lubbock, TX 79412

Phone: (806) 747-1122

Remove Collectech Diversified From Your Credit Report Today

If you’re dealing with Collectech Diversified collections and want them off your credit report, working with a trusted credit repair company can help.

Credit Saint has over 15 years of experience helping people dispute and remove inaccurate negative items. They also offer a 90-day money-back guarantee for added peace of mind.

Visit their website or call (855) 281-1510 to learn more.