5 /5 Bryan Baker: No one likes a collection agency... They want money and are probably reporting something that is negatively affecting your credit score. I wanted to throw in my 2 cents and share my very POSITIVE experience with Blakely-Witt and Associates. I found out that I owed a debt, from an old apartment, that I needed to get taken care of. I called them, they were super friendly and had a letter waiting on me when I got there releasing me from the debt and stating that they would remove it from my credit report that same day. I was greeted with a smile and a handshake and was treated as a person... Not as if I was the scum of the earth. I had a debt, I paid it... And it was a relatively pleasant experience, considering the situation.