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Using a reputable credit repair company or a credit repair service is often the best way to settle a collection account. First, you should not try to settle the collection account until after the collection company has verified the debt in accordance with FDCPA (Fair Debt Collection Practices Act) standards. You would be amazed at just how few times this actually happens. If you are not sure exactly what these standards are then you should invoke the help of a credit repair company or a credit repair service. I should clarify that credit repair company and credit repair service are synonymous but I use both terms in order that anyone who understands one but not the other still understands my meaning.