Disputing collections debt can protect your credit, but only if you know when it actually makes sense to do so.

In 2025, people throughout the U.S. saw rising prices for consumer goods and a reduction in income and employment. Those factors contributed to a substantial rise in credit card debt.

With federal oversight in retreat, deep-pocketed collection companies are aggressively pursuing down-and-out consumers who are struggling with record levels of credit card debt. Meanwhile, consumer ...

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