Collections on your credit report
Premium Capital California is a credit management company. We challenge inaccurate items, provide monthly guidance, and help inject positive trade lines.
13+ years experience • 4.9 star client rating • 98% client satisfaction • 15,200+ reports reviewed • 90-day money-back guarantee • $0 upfront fees
Collections stay on a credit report for about 7 years from the original delinquency. We challenge accuracy and verifiability—not just balance status.
Three pillars: Challenge inaccurate items • Monthly financial guidance and coaching • Inject positive trade lines.
Without these three pillars, credit repair does not work.
How long do collections stay? About 7 years from the original delinquency, though details can vary by account.
Does paying remove them? Paying may update the balance, but it does not automatically remove an accurate collection. We focus on accuracy and verifiability.
What does the free consultation cover? We discuss your credit report, questions about collections, and practical next steps for your situation.
Book your free consultation to discuss your report and next steps. Give us at least 90 days, or your money back. No removals in 90 days, 100% of monthly payments back, no questions asked.