Dispute Validate negotiate and pay collections

I have a collection on my credit report that is actually my wife's. I did not sign the contract, so is there a way to have it removed from my report?
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i would validate that legally
i would dispute it with the bureau legally
if they cannot provide all the details
including all itemized bills and work done plus all your personal information and signature i think i would threat suit
do not call them.
do not give them your personal information if they ask you to verify who you are
make them prove that
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Thank You. I think your web site is great, it has been a big help to me. I was also wondering if the creditors or collection agency's will not agree to have debts erased from my report will paying them off in full still help raise my score?
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i did that myself
read this
---------------------- I "Bo Majors" had a charge off for 345 dollars in 1990 with BO Oil credit card. In 1992 I called them and told them I needed good credit and that I would pay the 345.00 and add and extra 300.00 down payment to start new good credit. They agreed. I charged gas and paid extra each month for 12 months. I called and asked them BP Oil to remove anything older than 24 months which was a charge off, 5, 30 days late, 2, 60 days late and 1, 90 days late and they did. My I checked my credit report and everything with BP Oil now said 400.00+ high credit limit with 0.00 dollars owed and a perfect "no lates" payment record. My score jumped huge in less than 13 months. The best fix bad credit move I ever made. Negotiate and pay. I "Bo Majors" also had a bad credit collection from getting stitches at the local medical clinic. The medical clinic sold my bad debt to a collection agency within 120 days. After about 1 years I called the collection agency and asked if I paid the bill off in full would they remove the bad credit from my report. They said only the medical clinic could authorize that. I called the clinic and got an ok for the collection agency to take the debt off if I would pay the debt in full with fees right now to the clinic. I called the collection agency who called the clinic and we had a deal. I paid in full and the collection agency removed the bad credit. My score jumped right then.
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first it may hurt your score with a new date
in one year or less it will help because your debt / credit limit ratio for that account will go from 100% to 0%
the main thing to raise ones scores is to have some open credit that is reported to a bureau and is older than 12 monthsthe number one best way to raise your score these are all great cards and the applied visa will appove anyone with a downpayment
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