my 3 in 1 credit report has accounts I do not recognize.

I just got my 3-in-1 Credit Reports and Scores. I don't recognize half of the items on each one! Will it lower my Credit Score if I Dispute multiple items on my Credit Reports? Thank you,
--------------------
no i would dispute anything that is not familiar

What deos DOLA cannot overlap on collection accounts

I had a credit card back in 1992 that I stopped paying on. The credit report says: date assigned 6/7/2005 and date reported 9/19/08. How could these dates be so close to now instead of back in 1992 when I first defaulted on it? I think that this card should be removed from my credit report because it has been so long since I have had this account. Please explain.

What does this mean on your website? Collection dates cannot overlap the original creditor dates.
-----------------------------

a collection account which is different than the original account can not overlap on dates some times a collection account will overlap the dates and this is illegal

date reported should be the last time the account was reported to the bureauthis date should not be confused with the date of first deliquency which should signal the date the account should fall offorthe date for statutes of limitations.or the date for collections if sold to one. dates are a big deal in FCR Fair Cedit Reporting

Negotiate with collection agency

Hello, i have received my verification of debt from a collection agency, for a bank account that i own, what would be the next step.
-------------------------
negotiate

Credit Fico beacon score is different at all three bureaus. WHY?

My credit score on TransU is 782, Experian 840, but on Equafax it's only 672. Why so much difference and how can I raise the Equifax FICO score?
\-------------------
I would have to see the reports

I would assume the Equifax has somthing on it the others do not
proabably a brand new account, an overutilized credit card or a collection. Do you see in diferences in the reports?
or did you get a 3 in 1 report. it is best to have a report from each bureau then check each for differences when you have report that shows a much different score. the 782 and 840 are close but different enough to want to know.....100 points is a drastic difference though huh?

Question about unknown medical bills now in collection on my credit report

http://repairbadcreditreports.blogspot.com/2007/07/medical-bill-collection-unknown-inquiry.html

I was doing some research on the internet and i came across this post from last year. I had a question about unknown medical bills and I dont know where to get any other information from. Basically about 5-7 years ago I went to the ER, I am pertty sure I was still in High School for the first case, because I remember being out school...anyway my question is can the hospital send a bill to collections agency with out me ever reciving a bill and not knowing I owed anyone anymoney and its been over 5 years. what do i do?
------------------------
many times this is the only way for hospitals to collect. Many people move and they cannot send a proper bill to the proper place so they put it on the credit report. When ever that person wants credit the hospital gets paid. as far as age goes. you may have been younger than 18 and might get out of the bill on that accord. I would dispute the bills. Say they ae not yours and ask for validation the bills.

I am trying to get my credit report cleaned

Im trying to get my credit report cleaned, I have 3 medical bills on there that add up to $5300. I called the collection agency and they wanted me to pay it in full at first but I told them there was noway that I could do that. They said if i paid 250bux a month for the next 2 years then I will be paid off but that is even high for me to pay. I have a family and I couldnt even do 100 bux a month right now. Is there anything I can do that will help be get this done and over with? Thanks in advance
---------------------------
how old is the bill?
is the collection company associated with the hospital?
are you in the same state
----------------------
Im sorry, the bills are from 2006. I dont think its part of the hospital, the name of the company is A1 collection agency and I live in New Jersey
--------------------------
There is a very high likelyhood that the collection agency only paid 50 or less on the dollar
validate the bill with this form
follow up wih this validation form
then dispute the accounts with the bureaus using this dispute form then make them remove the account totally or
negotiate a lower payment of to about 50 cents on the dollar after all this
you might call the medical company? and ask them how much you owe?
see is you can make a deal or if they charged the account off. non of this is legal advice
and
non will work perfectly. but this is a good path
-----------------------------
Thank you again for the help, I have 1 more ?
Is it possible they can take money from my job or bank account?
--------
there is such a thing as garnishment
validate the debt by mail
bank account i doubt
they will tell you anything to get you to pay
they have to get a judgement to garnish wages
same thing with bank account

Court for a credit card debt that was not mine.

I had a credit card company take me to court for a credit card debt that was not mine back in May. In fact I have never even heard of this company . I actually won the case. The judge dismissed the case with prejudice. The problem is that it still shows on my credit report. I proved to the courts that this debt is not mine . So how do I now get it removed from my credit report. Thanks for you help
----------------------
dispute it by certified mail.
send copies of dismissal along with copies of your personal details and effects.