Credit help with debt paid letter

Once I have received a letter from the creditor stating the dept was paid and requesting removal, what do I do with it? The creditor was not a collection agency.
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copy it
then certify mailto the 3 bureaus
use this dispute form and instructions and addresses
then check you credit report for a credit score increase

Credit help questions for late payments, charge offs and court

I payed off a lot of deb with income taxes on my credit report it shows payed but is there anyway to get them off? I was reading Ur site and u was talking about get written letters saying the would take it off Ur credit if u agree to pay
which in my case is a cell phone bill
should i pay the attorney that sent me a letter or the cell phone company? My husband has a direct tv bill from when he was 18 and he is now 27 but it shows up when we try and get something but i don't see it on our credit report and directv doesn't help when i try and call them b/c the said they need a address he doesn't remember it one more question we both have 3 open accounts but one of his is through citi financial really high interest rates should we pay them off please help with any question need to get score up
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number one credit help mistake
paying off past bad debt BEFORE you talk to them and ask for help, removal, or to reopen.
i would try to re open anything that i paid off and after 12-24 months ask them to only report the past 24 months. ATTORNEY. OOOOPPPPS your in trouble there.
I would call the cell company first
attorney second and BEG. Dispute the direct TV bill with the credit dispute form. say not yours you never lived at that address.
you should pay the citi card down to less than 79% of your high credit limit. Keep it open and pay good for 1 -2 years.

Old Paid Collection Items-Help!!

Scenario; paid collections (5 total) back in 2006- have documentation-cancelled checks, letters from collections agency per agreement to pay.
Fast forward: New collections agency showed up on my credit report reporting same 5 debts as unpaid. forwarded proof to all three credit bureaus- report updated to show as paid collections to current collection agency, but I did not pay them... and that I did pay ...it was more than 2 yrs ago and to a different company. Next issue: when I was laid off in 2001,,I promptly applied for the credit protection insurance that I paid for each month prior to becoming employed- a few of the accounts were charged off, however insurance was paid on these few accounts. Have documentation from insurance company detailing each payment and date paid. Problem: Accounts sold to collections agency who is reporting the account as unpaid. How do I find out the charge off date and the balance owed at the time of charge off- I would like to compare amount owed at the time of charge off with the amount that was paid by the insurance company so that I can at least reduce the amount owed or show that it was paid in full prior to being transferred to the many collection agencies over the past seven years ( BTW- the most recent collection agency list the date of last activity as 2003- ( I have a credit report form 7 years ago which is contrary to what they are reporting . any advice would be appreciated.
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i would legally vaildate the debts with the new collectors trying to double your payout.
send them the copies of your payments and let them know you expect total removal or court action i have found protection insurance to be just like what you said
slow but after proding they do pay, usually after you credit crashes. I think i might be highly upset with them
i would file a compliant with the bbb and maybe call the state attorney general about this credit card proctection...HA collectors are not allowed to change dates.
this is a violation of the fair credit reporting act i would validate those debts and debate court action go to yahoo groups
credit repair
ask for smurf handy... tell her bo sent you as you want to sue some @ss
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Thanks for your timely response and I will follow up with smurf handy ASAP!
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by the way
i do not like smuf handy BUT she has some very real talent

Raise credit score question. Paid off accounts how much will my score improve

I would like to ask about credit scores. my son and I are trying to improve our credit scores. my son paid off all debts on his credit reports ( all three) and I am working onmine too. His score was 515 554 596 mine is 503 520 544 with all paid off do you know how high this will raise our scores. And how long does it take to do so. Thank You so much
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just do not close the accounts
i would hope these are not collections only
if you keep good open, reported, credit cards and car loans.
and this is what you paid off your score could jump into the mid 600's
if you only paid off only collections and have no reported ongoing good credit then your score will not improve much at all.
so get and keep new good credit that has been open for at least one year for best results.

disputed some collections, asked asked Discover if they would re-open my charge off

My average score is 627, my highest is 650 with Equifax. I have a few things in the works right now and I was wondering if you could tell me maybe how much my credit score will jump if these things get through. My girlfriend and I are thinking of buying a house. Her credit is 800+ but I make more money. Do you think we'll have trouble?1. I have disputed some collections on my report and sent letters to the bureaus. I have not heard anything back yet. It's only been a few days though. Most of them are paid (there's like 4 total) and I know they probably won't come off. 2. I have sent a letter to Citibank (student loans) to ask they remove late payments as I have paid on time for the last 24 months. The late payments were from 2005 - I have turned around and paid over the maximum every month for 24 months. 3. I had/have a charge-off with discover. I called and asked if they would either re-open my account if I sent them money, or remove the item from my report if I paid. They said all they could do was report "paid in full / settled" on my report. I said that was fine. I finished paying that off yesterday. They have sent a letter to the CRAs to update the status. How much can I expect my score to jump? Only #3 is the "for sure" thing, the others might not happen.
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you could go up to 700+

if
nothing shows negative for the past 24 months with citi bank
and
you have 3 lines of new good credit paid down to less than 80% balance owed to high credit limit.

Judgment paid in full but shows balances owed on my credit report

I have a question regarding a judgement that was placed on my credit. It was through a small claims court and I paid it all of the day it was due. I have documentation to prove it. Is there any way I can get this deleted from my credit ort does it show as a pay off?
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www.oskie.com/credit-dispute.htm
go here and dispute the acount as paid in full

it should show paid in full zero balance
but
the judgment will show on your report for 7 years
after 2 years pass the judment will not hurt your credit
if
you keep good current open credit that is reported to bureaus

Paid Collection. Remove from my credit report.

Was married in 2001 and had a account with a utility company with both me and my wife's name on it. Separated in August of 2001 and moved out of the house. Divorce went final in July of 2003. Ex-wife moved out of the house we had in April of 2005 and left behind this utility bill unpaid. I learned about this account in October of this year and paid it off after it had been in collections. Now I am trying to get it removed from my credit report. I have disputed it with all 3 credit agencies and asked both original company to remove it (they accepted payment and it is paid), plus asked the collection agency to remove their report of this account. All parties refuse to remove this account and as you know it is a major hit on my credit rating at this time. Any suggestions on how to get it removed? Any help is greatly appreciated.
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you have done everything you can dp.
get and keep new good credit to overcome the past old bad credit

Bad checks telecheck check system

I AM SO GLAD TO HAVE FOUND YOUR WEBSITE ... DO YOU KNOW HOW MUCH I WAS PLANNING TO PAY SOME CREDIT REPAIR COMPANY? I HAVE A QUESTION ... CAN YOU SUGGEST A SECOND CHANCE BANK BECAUSE I GOT MY NAME BOTH IN CHECKSYSTEM AND TELECHECK .... THANKs
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the checks have to be paid off
if you want to open an account or write checks.
Telecheck puts your ss# into a national databank for check writing
Unles you pay the bad checks you will not be able to wrtie anymore if the company uses tele check or check system.

Desperate Student with credit card problems. Charge offs.

On campus, 18yo freshman are bombarded by credit card companies and Before I knew i was in some serious debt and stressed out to the max. I know have ruined my credit and at the age of 25 my independent life is just beginning. I actually had to take some time off school b/c of the high stress levels. I am currently back in school, Graduating next year. I would like to buy a home, car ect. However I don't know where to begin on fixing my credit. This summer I did pay off four accounts that had gone to collections but I still have three accounts that are not paid also in collections. How do I get the accounts I paid, off my report? Also, How should i go about paying off the accounts in collections? Should I pay them off? Its been awhile since they were charged Off? Is this too many questions?
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Pay off a couple cards and reopen the same card with the same account number if possible.
Send them upfront goodwill money to do it.
After 1 year your score will leap.

On a scale of 1 to 10 what is the likelyness of a collection agency removing a charged-off account once paid in full. Who should I contact the original company, because they always refer you to the collection agency immediately. Shoulf I even becalling theses people because they are extremelyhostile at times.
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Once paid?
Nothing
Before paid 50 / 50

Dispute Form, negotiate

I had a account with CA that I paid off in 06/2007. It was agreed by the CA that the account will be deleted from CR. I also recd. a signed, dated letter from CA stating "As of June xx, 2007, this account was requested to be removed from your credit report."Checked my CR today(07/17) and the acct is still there. What should be my next step? Should I dispute the account with CRA?
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http://www.oskie.com/credit-dispute.htm
yes. Send in copies of your documents

I recently pulled my wifes credit report from truecredit.com which shows all three reports and notice that a medical collection is on there and has been paid. It shows paid with a zero balance. How do I get this off of my report. Also the collection company hit the report for an inquiry. I wrote them a letter asking where there were given permission to pull the credit report and haven't heard from them yet.

Any help or guidance would be appreciative.
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http://www.oskie.com/credit-dispute.htm
http://www.oskie.com/free-letter/debt-validation-letter-collections-collection-company-agency.htm

Credit cards charged off. I paid them and they are still on my report.

A couple of years back i went abroad to study and i loaded about 9 credit cards with stuff. the plan was that my parents were going to pay it back while i was gone, but my father lost his job. long story short, a couple of things got charged off and i've got a lot of negative remarks on my credit.

i dont know my score, but i know that i've got a whole bunch of stuff on there that doesn't look good and are now PAID OFF. is there anyway i can get them taken off considering they've been paid in full, or am i going to have to wait for the whole 7 years thing to go by? i can't even get a small credit card, but i've got an excellent job and no debt. anything i can do? i heard that if i'm persistant with the credit agencies and write them letters explaining the situation, they may be able to clear it up.... is that true? please help. i've just gotten married and we want to buy another home together, but i'm scared that'll look bad...
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http://www.oskie.com/free-letter/open-new-good-credit-sample-form-letter.htm
you got to open new good credit and get 2 years of it on the books.

Dispute anything on your report that might be wrong in any way.
http://www.oskie.com/credit-dispute.htm

Try to open 1 or 2 of the old charged off accounts numbers by calling and begging if you pay in full and add a couple hundred to open up with a positive balance. Work with them one year and then ask them to drop the old bad. Credit cards usually report the last 24 months mainly and will often agree to drop old bad if they have new good.
http://www.oskie.com/raise_credit_score_fast_quickly_free.htm

let me know what you think