In certain circumstances, a single unpaid collection account could keep you from being able to buy a house, secure a loan for a car, or achieve another of your financial goals. No matter how you want your money to work for you, odds are that you will encounter a situation at some point for which you will need a strong credit standing, and as part of that, a credit report free of collection accounts with outstanding balances. This toolkit is designed to help you deal with any collection accounts standing between you and your financial dreams.