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
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how old is the bill?
is the collection company associated with the hospital?
are you in the same state
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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
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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
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Thank you again for the help, I have 1 more ?
Is it possible they can take money from my job or bank account?
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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
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dispute it by certified mail.
send copies of dismissal along with copies of your personal details and effects.

I was denied a mortgage because of a past collection

I recently got my credit report and saw derogatory information on it. I contacted the collection agencies (4) to be exact. These were not for substancial amounts of money but they were for accounts from a couple of years ago. I agreed to settle these debts and I am doing so as I write this. I am wondering if it is possible for me to get these collection accounts and derogatory statements off of my credit report in a timely fashion? Is there any type of letters that I can write (if you know of samples that would be great) and to who? I recently applied for a mortgage and because of these derogatorys I was denied. Any help will be greatly appreciated. I heard something about a deletion letter but what to write and to who I dont know. Also I had a bankruptcy 8 years ago and I asked verbally to the credit bueraus to have this removed but they gave the usual answer to me. Not for 10 years.I will anxiously await your email
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you should negotiate with the collection before you pay them. Ask them what you asked me. Can I get them removed. Some will some will not. NON will after you pay them. BUT if you pay them and wait a year or so, then you might dispute them and they might fall off. you just dispute the bk with the dispute form and hope
10 years is right on bk's in most states.
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How can I go about getting these Derogatorys removed along with the Bankrupcty? What type of letter should I write and whom should I send it to? Also do you know where I can obtain a sample copy of the letter I need to write?
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you cant just magically have these removed
you have to work and negotiate
i sent you a link with a good negotiation approach
you send it to bad accounts on your credit
there is no perfect answer or letter
re establish new good credit
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Credit score changes

I am writing to you for some information about my credit score. I have tried very hard to get through the maze or firewall of phone messages at experian without any success. I have an account with them but because I have an online account, when I get my credit updates I don't get a report number and the maze is impossible. The question I have about my credit score is: Why does a credit score drop 6 pts in a month. The only thing I did last month was to apply to an apartment complex for their credit approval. I was approved but according to someone I spoke to on the phone, that one thing cost me 6 points on my credit report. Last year my credit score was 565. There was some old debt and some disputable information on the report, so I went to work to clean it up. Last month my score was 635. I just got a notice of a change in my score and when I checked, I noticed the 6 point drop in the score. I noticed a web page about you and decided to write and ask you if you could help me understand this situation. I hope you can help?
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looks like youve done well
you can take a 6 point hit for inquiries keep rated credit open and below 79% balance to high credit limit. when two years pass from date of last activity
you score will jump if you have good credit going now the average american has a score of 684
so your are almost there
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one other thingif you get an installment loanyour balance to high credit limit will be maxed out until you pay it down to below 79%

How to remove a judgement from my credit report

The last post (below) was incorrect. Years ago the CRAs used to employ people directly and they would haunt their local courthouses documenting and uploading information to the CRA. Things change. These Poltergeists no longer work for the CRA directly. There are now companies that act as "middlemen" in the public record information business and these folks now work for the middlemen. One such company is LexisNexis. No courthouse in this country reports to any CRA EVER. It is all public information and someone pays someone to sit at the courthouse and upload the information. Our courts have better things to do and better ways to spend money than uploading information to a CRA whether its the big 3 or one of the middlemen. The big 3 purchase public record information from the "middlemen".
Now, there is a hole in case law big enough to drive a C130 through. When you dispute with a CRA, they send the ACD back to whoever the middleman is. It does not go to the courthouse. This particular step I don't have an issue with. The CRA has done what they are supposed to do, asked the provider of the information to verify. From this point on is where the CRAs as a standard practice violate.
#1. The Middleman does nothing but look at what is already contained in its database. Mind you its the same database from which the information emanated to begin with, of course the information reported is what's contained in its database matches the information reported. The Middleman as a standard business practice violates the FCRA by failing to perform a "reasonable investigation" in response to a consumer dispute. They must go beyond the database per Johnson v. MBNA. The Middleman does not go back to the source of the information.
#2. If you send documents via the normal channels (this goes for all documents including but not limited to certified copies of documents from the courthouse), the documents will be ignored by the big 3. This violates the FCRA, they are obligated by statute to consider information provided by the consumer. They tell you outright that they will not consider your documents. #3. If the information is verified via the middleman, and 99% of the time it is, the big 3 will send you back the notice stating that the information is verified. They will NEVER tell you about the middleman. They refer you back to the courthouse from which the public record allegedly was obtained. This is a violation, they should inform you where they actually obtained the information, the middleman, NOT the courthouse where the information allegedly originated.
If you are having a problem with inaccurate public record information here is what you should do ... Now bear in mind, my advice is always geared toward both solving your issue and helping you lay out a basis for a lawsuit. Should you decide not to sue, that's fine, but if you do want to sue you will already have all the groundwork laid out before you visit an attorney. Dispute the normal way through the normal channels first ... Once they have responded claiming it is verified, write them back and specifically demand that the tell you who the middleman is and their address. You need to address the middleman's records. Now you need to dispute through the middleman, they may not be on the internet, they may not advertise a channel for you to dispute their records. Why? because they know that most consumer's aren't aware of their role in credit reporting so it is rare that a consumer is savvy enough to dispute directly with them. However, this is of no consequence, they are Credit Reporting Agency as defined under the FCRA and they are obligated to follow the FCRA.
Now, while you are in the process of doing the above, obtain certified copies of documents from the alleged source of the public record information. There are to many possibilities to list them all, but for one example, The CRA is reporting a judgment against you when in fact the case was dismissed. Get certified copies of the dismissal. Now dispute with the CRA via the registered agent, CMRRR, and include the actual certified copy of the dismissal. Do not send a photocopy of the original, send the original. This will likely land you in "special handling" and likely solve the inaccurate reporting with the CRA. If it does correct the problem with the CRA, you still have actionable claims for having failed to accurately inform you of the real source of the inaccurate information. If it doesn't then you now have done everything you need to do prior to filing suit. Follow the same pattern with the middleman, including demanding to know the name and address of the middleman if there is another one. Then dispute through the middleman's registered agent including a certified copy if verified. Even if they do eventually correct the issue, you need to evaluate whether or not they violated. If they don't correct the inaccurate information, you are now in a good position to sue both the CRA and the middleman
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boy that is a mouthfull
i would say i have learned something here in most cases, people are trying to get accurate information off their reports early and court documents once put into a "database" or whatever should not alter much or have much to negotiate.
If I get a question from someone who has incorrect court documented public records I will refer to this post

I have two erroneous addresses on my credit report.

Two addresses are showing on my credit reports that don't belong there. How do I get these removed? 4444 Lamp Circle, Colorado Springs, CO 809164610 --- I've never lived at this address 4444 N. Powerbuilt Blvd, PMB 137, Colorado Springs, CO 833333 was a UPS box I used for a Business Account; not personal.
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the first one i guess you dispute say never been there
the second i would ask if you ever used it when you applied for credit, rent, checking accounts
someone might have been trying to get credit in your name or maybe a creditor typed in the wrong social, when someone else tried to get credit
i assume their is nothing else crazy on that
you should see some crazy inquires you never tried also if these addresses are less than 3 years old

My credit card went to collections and now two entries are on my report

i have a credit card on my credit report, but they sold my debt to a collection agency. i called the agency and have made arrangements to pay off this debt. my problem is i have two enteries on my credit reporting the same debt, that of the original credit card and that of the collection agency. what can i do to get one of these removed?
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you should validate the debt then
negotiate before you pay
then pay even if they will not negotiate
i would try to re open the credit card and, go for good credit with themNext: dispute one account then, the other and hope one falls off, and if it does not, call and try to get a signed letter with company letterhead that says you paid as agreed and were never late. most of the time, this part does not work on the original creditor, but can work many times with the collections company
get and keep good rated credit at least 12 months, that reports to a major credit bureau.

Car repo on my credit report. How can a fix my credit report

I have a repo on my credit report. I tried really hard to keep my car. I fell behind due to my mothers death and leaving my job to care for her. I got a job offered to pay them the $ I owed now that I was settled I was really not that behind just couldnt get caught up. They refused my offer and sold my car and sent me a check for the difference. I sent them a letter as you stated in your web site. They told me there was nothing they could do "it is a repo and we cant make it go away it really happened". Is there anything else I can do? How bad is this on my credit report? I would really appreciate your help in this matter at your convience.
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hes right, there is nothing to be done now
it over and done with
they have no financial motives now that the matter is over

car loans usually don't help with credit anyway
so forget it and go on
get new good credit

remember that once the repo becomes 24 months old and you have new good credit it will not hurt your credit report score as much as the new good credit will help your score.
some lenders, cars, homes, will not accept applications that show a repo so you may have to pay a little more interest if you choose to get a new car or home withing the next 7 years but for the most part good new credit will over come this mishap

Do they have 30 days to respond or remove clean delete the bad credit

Bo after the company receives your letter they have 30 days from the date of receiving the letter to validate. If they do not what should I do next.
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what company
what letter

if you dispute with a major credit reporting bureau the bureau sends the dispute to the account holder who then has 30 days to respond.

if you are using debt validation you send the letter to the account holder and they have 30 days
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If it an account validate to collections company. If they do not respond in 30 days what is the next step?
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send the debt follow up letter
make sure you send the letters certified delivery

if they do not respond, then use the dispute form

if nothing seems to work call your state attorney general or file an online compliant about illegal use of your credit report.

Am I beyond the statue of limitations on a credit card?

I was just wondering how do I figure out if I am beyond the statue of limitations on a credit card? Or if credit cards even apply? On my credit report it states that my credit card became 30 days overdue in April/2004, meaning the last payment that I sent in was March of 2004. Is it safe to assume the statue of limitations has exceeded?
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no
not sure if statute of limitations is the right term but 7 years is the magic credit goes away number.
7 years from date of last activity. DLA DOLA
so that would put you at April 2011
Watch out for collections on unpaid credit cards, if the card was not paid in full.
2004 does put you 2 years past today which means the lates have relatively little weight on your credit score. Make sure you have good open and rated credit now with no lates the last 24 months.
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Thanks. The card is already in collections and they are threatening to sue. It is the only thing on my credit report so I will call and see if I can get a settlement for less than what they say I owe.

Also, I read on your website that I should ask for it to be deleted from my report after I pay it, is that correct?
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you always should ask, but not expect, to get something removed if you pay in full, unless, it is a second party or duplicate account on your credit report.

Collections? are collection threatening suit or whats going on here.
If the original credit card, charged you off, then sold this account, for pennies on the dollar a collections company should not even be able to put the collection on your credit report or threaten to sue.

the original credit card can sue and report bad.

this is why the debt validation form is so needed. Make sure any second party collection has legal cause and documentation for suit.
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I received a letter from Gordon & Wong Law Group PC stating that there is a pending legal action in Superior Court and I have 30 days to respond. On my credit report it says that the account was sold to another lender.

Should I send in the debt validation form?
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you need to talk to a lawyer.
but yes you need to know what they know if you can

Once settle and pay a collection they will not delete from credit report

I am in the process of paying off old debt that is showing on my credit report. Here's my question, I have 2 debts from NCO-Medclr. One for $539 and another for $314. I have spoken with a representative for agreement on settlement of this debt. First off, they stated that they will not send an agreement letter stating what amount we have agreed upon. Secondly, I asked them once this debt is paid in full (which I was willing to do over the phone) will they then delete this information from my credit report. They stated they cannot "delete" the information but mark it as "paid off". Is this true?
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they do not have to remove bad credit from your credit report just because you pay them. it was still a bad credit issue at one time.
they can remove items and do remove items many time if you do pay in full. Not sa settlement for less. in full with fees. much stonger postion for credit help.

one way or the other I adivise everyone to try to pay off stuff no matter what.
the least they could do is not give a more recent date of last activity if you pay them off.

student loans that were delinquent and each one appears to be listed 3 times on my credit report

Hi, I've read quite a few posts on your blog, not sure how to post one myself? my question is -I have 2 student loans that were delinquent and each one appears to be listed 3 times on my credit report - each one says condition "derogatory" and pay status "120 days late" I am now paying on them and those two accounts are correctly reported as "current" each entry is listed by Iowa Student Loan, so when my report is pulled, it looks as though I'm not paying on 4 of my accounts. I've tried disputing them with no luck, there is a remark on them that says "student loan perm assign to government" I've called the student loan people and they confused me even more. what other options do I have?
I've used some of your advice on other issues with great results! Had a lot of negative information removed by disputing - EVEN A JUDGMENT! Increased credit score by 40 points in 30 days! Thanks
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what did the dispute reply say
did it give the same address and phone number you used to get confused by Iowa student loan.

if so, and it sounds like that's what happened, you should talk to ISL again and again until you get it straight. There has to be different account numbers for these accounts. Many times a loan company will re do the loan to overcome a consumer being late on the loan companies books. They can't just, out of the blue say, you are not late unless you pay up or they redo the the loan.
I would think you could dispute or negotiate to have those, other, showing late now, loans to "say same account', "duplicate account" as the one being paid on.
When you dispute these items someone is verifying them somewhere. But this someone should say these accounts are now combined with another account and should show zero balance.
The accounts will still show you were late once upon a time, but they should not show you are late NOW.
You might use the account numbers to get a letter from ISL, on ISL letterhead, that says these accounts were combined with accountabc which is now being paid in time.

There is no easy answer but. DIG IN. You can do it.

What do i do if I sent a letter to a creditor (certified return receipt) and I get no response

What do i do if I sent a letter to a creditor (certified return receipt) and I get no response. How long do I wait and what is my next step?
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you can only get certified delivery to bureaus
i am not sure what you asked for or paid for
certified delivery to the mail PO box should be paid for
PO boxs can only be that way. no body can sign
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I didn't make myself clear at all with my last email. I must have been half asleep. What I am wondering after I sent my letter to the creditors how long do they have to respond. If they don t respond at all what is my next step?
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30 days
dispute my credit report
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Can you except an email agreement from a credit agency ?
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no
usps mail.
certified delivery

call
then mail
mail then call

Mail address is incorrect and I have an account that is too old 7

And I'm not happy. First i would like to start with having an unauthorized mail address in Trans union. There's my mail address with an additional unapproved mail address. Should i contact Trans union and dispute? Second also have a an account open (CITI CARDS CBSDNA ) since 1994! Shouldn't that been deleted? And why does it still say OPEN and (Pays account as agreed)? And on legend it stating (ND). I really don't want to think the worst. Third Is it normal to have accounts display in all three Credit Bureaus.
Please advice. Any help would be appreciated. Thanks for your time
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is the mail address one you lived at once? or not. what do you mean unauthorized

if the account is open it will be reported
call citi cards. if it is not open close it i guess or use it to keep good credit for at least 24 months.

most account only report to one or two bureaus
but many do report at all three bureau that support FICO credit scores
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No I have never lived or use that address before. I mean that why would they be sending mail to that address without my authorization.
I will call citi cards. Thanks!
I have sent my negotiating letter to my creditor. Hopefully they will come to an agreement.
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you should dispute the address even tough some bureaus kick that out
say fraud
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y

remove negative accounts from credit report

I need to know how to get old negative accounts removed from my credit report. Please send more info. Thank you.
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remove clean delete
Negotiate

http://www.oskie.com/validate-collection-collections-account-removed-credit-report-completely.htm

Moved and didn't get utility bill. Paid collection will not remove account

Jn. 2007 - I moved from Sacramento to Costa Mesa on a temporary basis until I could find a place in Los Angeles. I had my mail forwarded fromSac to Costa mesa. I own a house in Sacramento and rented it out, and I still own it.
Feb. 2007 - Moved to a new place in Los Angeles. I completed another forwarding mail with the post office. This is where the problem occurred. I didn't get all my forwarded mail from this address. Apparently I had a utility bill that went unpaid for $172, which I was unaware. They had sent me a bill on three different occasions in Jan, March, and Aug, 2007.
My mail never was forwarded! I thought I paid the balance owned before I moved. It wasn't until I was looking into refinancing my house when myExperian credit score dropped from 756 in July, 2007 to 620 in August! I was told I had an unpaid account. I called PG&E right away. But I made the huge mistake of paying the bill at that moment instead of negotiating to have it removed from my report.
In the mean time, I was given the advise to report it to the creditbureaus as "not mine." And if they don't respond in 30 days, it will automatically be removed. This didn't work, as they verified it to bemine. Today I called PG&E and spoke to a representative (I was very nice and professional). I explained to her that I was never made aware of the collection...that I would have never jeopardized my great credit as a deadbeat customer and not paid a $172 bill. I have always paid my bills on time. I said by law they have to ensure that they contact me, that I never received any letters nor a phone call. She actually put me on hold (probably to talk to someone) and came back to basically tell methis "unfortunately was can't remove it because it has to be an erroron our part.
" I asked why I didn't get a phone call. She said they don't make phone calls. This just doesn't seem right that they just send out automated letters then report you to the credit bureaus. I'm sure those letters were returned to them, so they can at least call to inform me as a good faith gesture.So, I left a message with the supervisor on his voice mail in hopes that he will help me remove it.
Here are my questions:
1) I don't believe her when she said, the credit bureaus wont let herremove it unless it is their error. Can they have it removed?
2) How do I get this removed? This is not by my neglect and I workedvery hard to get my score over 750.
3) If they don't remove it, what is my next step? What would you do?
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1) most utilities will not negotiate. Actually they are telling the truth. Is is against the law to lie about credit both ways. They see you didn;t pay and it was not their fault so thats thats. Utilities do this as a means of pretecting their interest in further matters with past bad debtors which they have thousands i am sure.
2) You probably cannot have this removed and you should forget about it if possible and go on. In 2 years it will be a zero balance collection and your good current credit will swallow this bad apple and your score will go back up
3) shoot for 2 years behind thee satan.

in the end you paid your bill and did the right and honest thing. More than likely they would not have taken the bad mark off even if you had called before you paid. That's just the way they do business. I know it happened to me with Nashville Electric Service. They wouldn't even talk to me yea or ney and didn;t really care if i even paid them which i did. behind the satan.
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Trying to remove delinquent accounts from my credit report

I was recently trying to remove past 30 day 60 day 90 days late on my credit report and ran into one account that I could not pay. I could not figure out who had the account so I tried calling the initial company (AT & T) and could no teven get a human to talk to me in all of the united states. Finally I found out who had the account and called them and was told that the original company took the account back. After getting contact info for the original company I contacted them and was told that they did not have my account and that it was probably sent to another creditor. After contacting the 2nd creditor I was told that they had no account for me. After contacting the original company and the original creditor that they sent my account to neither one would claim they were currently in possession of the account and neither one would take my money. I was willing to pay the full amount right then and there over the phone but no one would take my money. I don't feel it is ethical to just brush me off and am tempted to report them both to the Better Business Bureau but I am worried it may complicate things further. Have you ever run across this situation? I would appreciate any advice you can give. I am sorry to email you directly but I am not "Blog" savey and could not figure out how to contact you through your blog. I thank you in advance for your time and consideration in this matter.
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you hit a gold mine and do not realize it
if you cant find it
neither can a bureau

so

dispute it

Sent letters of payments with request to have lates removed

I have sent in letters and proof of payments with requests to have the items removed once the account is satisfied. One, they didn’t remove it and two, my score didn’t go up an inch. I’m so frustrated I want to cry. Any advice?
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accounts will show up as paid once you pay them
not removed, UNLESS you get lucky when you negotiate before you pay the account off in full.
which it sounds like you have yet to do. So pay the accounts off and get new good credit and in 2 years you will be happy.
bad credit is not a quick fix unless everything is totally an error by a creditor or a bureau.
Sounds like you have had past 30 60 90 days late, in the past 24 months.

i do not have all your information.
so this answer is limited in scope
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I have contacted several of my creditors and paid the account off in full…requesting at that time to have the item removed. They said they would do so and it is still on there and they received their money.

Also, I had a summary judgment that was satisfied…being that it was $8000 and I didn’t have to pay anything (landlord filed it when he found out I was suing him for his garage door falling on my head and injuring my back), I thought that it would make a difference in my score once I notified the CRA’s but no change. I know that this is going to take along time…how do they say “if I knew than what I know now” I would have been much better at this, but I got stuff and lost my job…and couldn’t keep up anymore.
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usually creditors will only remove that you are late NOW
not in the past.
UNLESS you get something in writing saying theyt will do so.

get new good credit and get satan behind thee

a judgment rendered is a whole nother matter
if you had a judgment renderd
then
you found to be at fault by a court of law.

that just takes time to get off your report.

2 years and things will be much better
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Thanks.

Paid collection still on my credit report. How to remove

I was looking for someone to help me and give me advice and I found your site. I realized that I screwed up when I paid in full the debt I owed to LTD, a collections agency. I paid through an electronic check and asked the person helping me, "So I'm all done right? There is nothing or bad on my credit report?" And the guy said "NO, You're all fine." Later on I tried to raise my credit limit and my bank says that I have something bad on my credit report and its going to be on there for SEVEN years!!! I have been trying to call the collections agency but I just keep getting transferred to like a million people and I have called so many times. I really need help because I'm only 19 and I don't want to have something bad like this on my credit report. I need a new car to go to school and there is no way that I could get one now that I have that on my credit report!
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nothing you can do here
but
1) dispute the account and hope
2) wait two years for the accont to not hurt your score as bad
3) keep at least open lines of credit for at least 12 months to over ride the past bad credit

remember you paid the bill ad in the end that is always best. It over and its done. It will only hurt for 2 years. 5 of those years the account is irrelevant if it is paid and you have new good credit.
AND
there is no gaurantee that even if you negotiated before you paid that they would agree to remove the account completely.
So do not beat yourself up. go on and remember

Credit counseling and past late payments paid off.

I have two credit cards that i went through credit counseling, and even though i paid every month, I paid lower monthly amounts that my credit counseling told me to pay but they didn't finalize the agreement with my credit card companies yet. I didn't catch this right away and now I have late charges on my account for not paying enough. I have been on time for the last three years and know they are paid off, but I still have negative reporting. Also, i was late on my student loan, but know paid in full three years ago. Is there anything I can do to get the negative off my report. Two years ago I was at 520 now I am at 670 but I can't get any better. I have three credit cards with little balance and higher credit limits. I haven't missed a payment in over three years, but two years ago I paid of two collections, and I didn't negotiate with them before i paid them off. If you could help I would really appreciate it
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you can dispute those old accounts and hope
but more than likely you have done all you can for now other than wait

oh
a 670 fico score is pretty good