How to Get Rid of SRS Collections - Mark’s +88 Credit Score Boost

by Joe Mahlow • Updated on Mar. 22, 2025

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In this article, we’ll share how we helped Mark remove his SRS collections – and hopefully, you can too!

Mark had been working hard to improve his financial situation. But when he checked his credit report, an SRS Collections account was holding his score hostage.

"I never even got a bill for this!" Mark told us. "I tried disputing it, but they just ‘verified’ the account and kept it on my credit report."

Like many others, Mark had no idea where this debt came from and didn’t recognize the original creditor. That’s when he turned to us for help.

Removing SRS Collections: The Process

the process of removing srs collections.

Is SRS Collections staining your credit report? Feeling the crushing weight of its negative impact?

Collection accounts like these or like these can slash up to 150 points from your credit score, and you don't have to just accept it. You're here because you want it gone and BINGO!, you are on the right page.

At ASAP Credit repair, we understand this urgency and this is also our specialty. We helped Mark successfully challenge and remove SRS Collections, and we're going to show you exactly how we did it.

Let's start the process of cleaning your credit, right now.

Step 1: Gathering the Evidence

The first thing we did was pull Mark’s full credit report and investigate the details of the SRS Collections account:

✅ The original creditor that supposedly owned the debt
✅ The date of first delinquency (to check if it was legally reportable)
✅ Any validation letters SRS Collections had sent Mark
✅ Any inconsistencies in the reported balance across different credit bureaus

Next, we sent a debt validation request to SRS Collections demanding:

📌 A copy of the original signed contract proving Mark agreed to the debt
📌 A detailed account ledger showing every charge and payment
📌 Proof that SRS Collections legally owns the debt
📌 A record of all communications and collection attempts
📌 Documentation showing Mark was properly notified before they reported the account

Step 2: The Collection Agency Provided Partial Documentation

After a few weeks, we received a response from SRS Collections. They sent a generic account statement but failed to provide:

❌ A signed contract proving Mark originally agreed to the debt
❌ Proof that SRS Collections had legal ownership of the debt
❌ A full payment history from the original creditor

This was a huge mistake on their part. Without complete validation, they were in violation of consumer protection laws.

Step 3: Taking Action Against the Credit Bureaus

Since SRS Collections failed to provide key documents, we escalated the dispute with Experian, Equifax, and TransUnion, arguing:

📌 Lack of full validation – The collection agency failed to prove the debt was valid.
📌 Inaccurate reporting – The balance was inconsistent across different credit bureaus.
📌 Failure to provide required notices – Mark was never informed before the account was reported.

We submitted an official dispute demanding the immediate deletion of the SRS Collections account.

The Results: SRS Collections Account Deleted

✅ Final credit score: 742 (+88 points)
✅ SRS Collections account permanently removed
✅ Qualified for a lower interest rate on a car loan

Mark was shocked.

"I thought I was stuck with this forever. I had no idea they had to prove the debt. You guys changed my financial future!"

Here’s the official deletion letter Mark received:

CEO Method: OUR Secret Strategy To Remove SRS Collections

One of the most effective ways to remove collections is by going directly to the CEO of the collection agency.

Here’s how you do it:

1. Find the CEO’s Direct Contact Information

Most collection agencies have executives who oversee compliance. The key is to find their email or office number.

📌 Where to look:

✔️Hunter.io: Instantly locate CEO emails.

✔️ Company Websites (Leadership/About Us): Directly access executive contact information.

✔️ LinkedIn Direct Messaging: Connect with leadership teams.

✔️ Press Releases: Extract emails from official statements.

✔️ Corporate Directories: Uncover published executive contact details.

✔️ FastPeopleSearch.com: Discover personal emails for key leaders.

2. Message Leadership on LinkedIn

Once you identify the executives, send them a polite but urgent LinkedIn message.

📌 Example Message: Hi [Executive’s Name],

I’m a client of [Collection Agency Name], and I need some urgent help regarding my account. I haven’t been able to resolve this through standard channels, and I was hoping you could assist me directly. Could you point me in the right direction?

I’d really appreciate your time. Thank you!

This method has resulted in direct CEO intervention in many cases!

3. Mail the CEO a Letter—With a Small Gift

If you can’t reach them online, consider sending a physical letter to their home address (found via FastPeopleSearch).

📌 What to include in the letter:

✔️ A professional, polite request for their help
✔️ A small token of appreciation (e.g., a $5 Starbucks gift card)
✔️ A brief explanation of why the collection is incorrect
✔️ A request for them to personally review your case

This tactic humanizes your request and can make them more likely to take action on your behalf.

4. Escalate and Threaten a Metro 2 Audit

If the agency still refuses to remove the collection, let them know you will request a Metro 2 compliance audit.

📌 How to escalate:

✅ Send a certified letter demanding full compliance documentation
✅ Mention that if they fail to provide a Metro 2-compliant response, you will escalate to the CFPB, FTC, and State Attorney General
✅ Reference their duty under the Fair Credit Reporting Act (FCRA) to report only verified, accurate, and legally enforceable debts

Many collection agencies remove accounts rather than deal with a compliance investigation!

5. File Complaints with Government Agencies

If all else fails, take your complaint to higher authorities.

📌 File a dispute with the FTC – www.ftc.gov
📌 File a complaint with the CFPB – www.consumerfinance.gov
📌 File a complaint with your State Attorney General’s office – Each state has an online filing system for consumer complaints

📌 Key Government Leadership Contacts:

CFPB Director: Rohit Chopra – rohit.chopra@cfpb.gov
FTC Chair: Lina M. Khan – lkhan@ftc.gov
Deputy Director CFPB: Zixta Martinez – zixta.martinez@cfpb.gov

📌 Direct Contact Emails for Complaints:

CFPB: CFPB_Complaints@consumerfinance.gov
FTC: consumercomplaints@ftc.gov
State Attorney General – Check your state’s official website for email addresses

Many consumers see collections removed within weeks after filing multiple complaints!

What if they don't respond?

Even with persistence, some collection agencies might initially ignore your outreach. Don't give up! Here's how to escalate further:

⭐ Write Honest Reviews

Get their attention in public by writing your experience on as many sites as you can.

BBB (Better Business Bureau): File a detailed complaint outlining their non-compliance.
Social Media: Post a professional (not inflammatory) message on their company's social media pages, detailing the issues and lack of response.
Review Sites: Leave honest reviews on sites like Yelp or Google Reviews, highlighting your experience.
Consumer Forums: Share your experience on relevant consumer forums, alerting others to potential issues.

📌 Important considerations:

Keep your posts factual and professional.
Avoid emotional language or personal attacks.
Document everything with screenshots and dates.
Be aware of defamation laws.

The potential for negative publicity can often compel them to address your concerns.

⭐ Consult a Consumer Rights Attorney

If all else fails, it's time to bring in legal expertise. Time to consult an attorney if:

The agency is unresponsive or hostile.
They are violating your rights under the FCRA or FDCPA.
The debt is substantial, and you want to pursue legal action.

A consumer rights attorney can provide guidance and represent you in negotiations or litigation.

📌 What an attorney can do:

Send a formal demand letter.
File a lawsuit on your behalf.
Negotiate a settlement or dismissal.

While this option involves legal fees, it can be a worthwhile investment to protect your credit and financial future.

Remember, persistence is key. Don't let collection agencies bully you. You have rights, and you can fight back!

Other Proven Methods to Remove SRS Collections

1. Settle the Debt – But Do It Right

If the dispute process doesn’t work, consider settling the debt for less than what you owe. Always negotiate AFTER attempting credit repair.

📌 Steps to negotiate a settlement:
✅ Offer 30-40% of the total balance as a lump sum
✅ Get a pay-for-delete agreement in writing before paying
✅ Use a credit card or cashier’s check to track payment
✅ Follow up with the credit bureaus to ensure deletion

📌 Download the Full Guide to Settling a Debt: Click Here

2. Request a Goodwill Deletion

If you’ve already paid the collection, you can send a goodwill deletion request to SRS Collections explaining your situation and asking for a removal.

📌 How to Write a Goodwill Deletion Letter:
✅ Address it to a high-level executive (CEO, VP, or Manager)
✅ Explain the circumstances that led to the collection
✅ Highlight your positive payment history since the issue
✅ Request removal as a gesture of goodwill
✅ Be professional and polite

Need Help Removing SRS Collections?

If SRS Collections is hurting your credit score, you don’t have to deal with it alone.

💡 Not sure which strategy will work for your case? Let’s take a look together.

🔹 Start a chat with us now → [Click Here]
🔹 Call us at 📞 888-656-0803
🔹 Text us at 📲 281-545-5001