I have paid collections accounts on my credit reports I know there is a way to remove them or dispute them without having to wait 7 years. Does anybody know how? or where could i get sample letters?

We are an outsourced call center providing service support to a debt counsellor. We require a method to pull credit reports on those customers that ask for their services. We are looking for a legitimate pay service that is reliable, quick, complete and cost effective.

I’m trying to help my step-daughter get the free credit reports which the 3 major credit reporting companies are suppose to provide. She can not find a phone number for any of the companies which is answered by a human. What must she do?
Write them? If it can be done through the Internet, exactly which are the real websites?. Any and all help or suggestions are greatly appreciated.
Thank you
Tony

My husband and I have some debt that is not listed on any of credit reports (I’ve checked all 3). Should we go ahead and pay the debt or just hold off until we get the rest of our current debt paid off?

These debts are less than 8 years old and we’ve not received any recent mailings. We only have the original bills from 5+ years ago.

Thanks!

I need to find out about free credit reports without having to give credit card infomation online.

My home mortgage will reset in a few months. If I bring down all my credit card balances to 0 now, how soon will my credit reports reflect this; thus improve my credit scores?

I am filing bancruptcy for high medical bills and my lawyer needs a list of creditors from when I had first started going into debt. I don’t remember all the hospitals and doctors and some of the ones I do remember are not on the credit reports. How do I find them from that long ago?
There was no insurance at the time to cross reference and the medical records were altered over the course of the past decade. No cross reference there either.

Years ago I had about 2 years of a credit nightmare. I was young and didn’t know any better. Luckily I was able to pay off all of my debts and now only owe my student loans from college, which are not much.

I know I can contact the credit agencies myself but my credit reports are so overwhelmingly inaccurate and cumbersome. I am not kidding when I say 95% of my credit report is inaccurate. None of the companies notified them when they were paid off or when they were transferred from one company to another so some of my “debts” are even listed multiple times.

When I paid them off it took me forever and my mother’s help just to figure out what I owed and now it gives me a stomach ache to even look at it. I did the hard part - paying it off. Now I just want someone to go in, sort everything out, and dispute the inaccuracies. I am willing to pay a good, honest company but I all I keep hearing about is to be wary of scams.

Does anyone had experience with this sort of thing?

I was critically injured in an auto accident at the end of July of last year and was hospitalized for three months. As a result, I wasn’t capable of managing my finances and was dependent on my family for doing so. During that time I recieved a 30 day and a 90 day past due notice on my credit for two separate credit card accounts. How can I get this resolved?!? The credit reports are accurate but because of exceptional circumstances my credit has been severly negatively impacted. Thanks in advance for your assistance!

Do you really think its fair that blemishes, caused by a late payment(s) that occurred 6 years ago should still appear on your credit report? My credit report shows I had credit cards from specialty catalogues that I never even used from 6-8 years ago. The accounts are long since closed. It seems ridiculous that these even still appear on my report. And if creditors are going to use my report to deny me credit, shouldn’t all creditors be required to report once a month to each of the 3 major credit companies the status of all accounts held by them? For example, my lending institution for my vehicle only reports to one of the credit companies. That company shows I have a favourable credit score yet the other two give the appearance that I have poor credit.