How to get a collection agency I have already paid to get the credit reporting agency to remove negative info?
441694
As a financial consultant, I can advice you to write a detail letter to all three credit bureaus and let them know what is going on. You need to pay nothing to them as you have already paid your company who you where already selinquent too. Sit back and relax, your problem can be solved. If you need more information you can contacting me by email.
597152
People like Zandelia need to be spanked for constantly referring freecreditreport to people.  I'm getting more convinced they get kickbacks by sending people there.\n\nGo to http://www.annualcreditreport.com and get a FREE, NO GIMMICKS credit report.  This is the site that was set up to handle the government mandated free credit reports.\n\nOnce you have your report, it will show all of the delinquent accounts you have, and their contact information.  Contact them and negotiate a settlement.\n\nBE SURE that you get them to agree IN WRITING to remove any negative information that they placed on your credit report.  Remember, the reason you are paying your debt is to fix your credit score.  It does you no good to pay them if your credit will still reflect these unpaid balances.  You will find that once they have your money, they will be very uncooperative in fixing your report.\n\nAlso note that just placing "paid" on your account does not remove the negative information such as late fees, or collections.  They must either show on your account "Paid as Agree, Never late", or simply remove the listing entirely.\n\nYes, it's legal.  They may tell you they can't do it, or it's against the law, but they are lying.  I've done it, and I've helped many others do it also.  Nothing in the Fair Credit Reporting Act prevents a creditor from removing their own reports.  \n\nGood luck
533997
Yes.  This has happened to me.  I am having a problem right now trying to get some stuff removed from my credit report.  The problem is that there are 3 credit bureaus and they do not share information so you have to contact all three - Experian, Equifax, TransUnion.  Use these sites to get free copies of your reports.\nwww.freecreditreport.com\nwww.annualcreditreport.com
1183847
Lets get some facts straight.\n\nCredit reporting agencies report what creditors tell them to report.  They can add/delete/edit the reports at any time.\n\nOnce you have a delinquency, a negative report is placed on your credit report.  \n\nWhen you pay off this debt, the creditor must show that the debt is "paid".  However, it will still reflect that you had a delinquency and it still is a negative report.  Therefore, paying off your debt does NOTHING to fix your credit.  \n\nHowever, the creditor can request that the report be deleted, or they can edit the report to show that it's "paid as agreed", which removes all negative information.  The problem is getting them to do it.  And once they have your money, you have no leverage to get them to do it.\n\nMany creditors will tell you they can't do it.  They are lying, and I can show you where in the law they can do it.  What they are actually telling you is "You screwed us...so now we are going to screw you!".\n\nWhat you need to do is get an agreement IN WRITING that once your debt is paid, the creditor agrees to remove all negative information from your credit report.\n\nIf you don't, you will end up broke plus you will still have bad credit.  You have accomplished nothing.
320572
If it is on your credit report it should have a phone number or address to contact them. If not just dispute it and have it removed. If you can't contact them neither can the credit report company. Poof it will be gone.
1693
You must have a copy of your credit report from the company that pulled it - i.e., Equifax, FICO or Experian in order to file a dispute.  I personally go through Equifax when I have problems such as these.  On the credit report, they have a number (they don't publish on their website) for you to call if you would like to dispute something you're seeing.  You can also make a dispute online on their website at:\nhttps://www.econsumer.equifax.com/consumer/sitepage.ehtml?forward=online_dispute\n\nYou may be able to get the Equifax folks to transfer you (if you don't have the credit report in hand) to the appropriate number, but this is their Fraud On My Credit Report number: 1-888-766-0008.\n\nI hope this helps!  \n\nGood luck!
578201
The trick to fixing your score is getting the creditor to remove the negative entry on your credit report.  Once you have paid them back, you are going to find it very difficult to get them to cooperate with you and fix it.  \n\nTbat's why I recommend that people get an agreement IN WRITING that they will remove the entry once the bill is paid.  \n\nAt this point, you are screwed.  Just placing "paid" on your account does NOT remove the negative entry, and will only have a minor effect on your score.  \n\nAll you can do now is call the creditor and politely ask them to please fix your credit report by removing the entry. \n\nGood luck.
736654
This sounds like a load of cr*p.  Don't deal with collection agents at all.  If you WANT to pay the bill, deal directly with the credit card company (and make SURE it is the credit card company you are dealing with, not a collections agent pretending to be them).\n\nIf the company won't deal with you and the debt has already hit your credit report, just don't bother with it at all--it can't get any worse.\n\nIf they threaten to take you to court wait until you have at least two letters from a REAL attorney (investigate whether the law firm that sends you the letters is legit or not) and then offer to settle with them for 50% of the funds due.\n\nCollection agents will lie, cheat, and steal just to get you to talk to them, don't deal with them at all!  No honest person becomes a collection agent... or if one does, they soon lose all aspects of humanity they once had.\n\nGood luck!
215461
It will take several months to a year to get your credit really improved. Be careful of using a company who says they can raise your credit score. Cause legally they cant. Only you can. And while paying them large sums of money, you can dod it yourself for free. Depends on the elbow grease your willing to give. Check it out. There really is no super fast way to do it. But the best and probably quickest way would be to go to Annualcreditreport.com and get your free 3 credit reports. Then go through them and dispute the negative items on your report that dont make valid. Even if unsure, do so anyways because it becomes the responsibility of the creditor to prove that the information is accurate. If the creditor doesnt respond within 30 days the negative item has to be removed by law. In which removing a negative credit report item raises your score. Also, finding your most recent and lowest balance debt and offering halve of what you totally owed for it. Most creditors are willing to do this if your account has been way behind for a long time. Because now they're just worried about getting any money from you at all. Same is 100% true for collection agencies whom took over your bad debt. Offer half and no more. Ask to include in writing and mailed to you that they will remove negative from your credit report in terms of full half-amount payment. That raises your score. Other would be as suggested to get a secured credit card and just use it for gas twice a month or something small. Dont use it for anything else! Thats how you get screwed up again. Make the payments on time...everytime. This will start to show up as a positive item in your credit report and by showing a low balance on you card (30% or less of high limit) will show you can be responsible with your credit and thus create a higher score and higher opinion of a future creditor...such as an auto financer. Heed this and Hope i was of some good help to you. Good luck. Shuuutnstr =o)
1030722
If you are now up do date on your payments, and it has been awhile since you became up to date, you can always try a goodwill letter to the creditors. Tell them that you have worked hard to become current, it has been x number of years, can they please list the accounts on your reports as never late.\n\nIf you are still behind on the bills or the accounts have been charged off, thats a whole nother ball game.\n\nI would suggest going to the site that I've listed. It is a "free" do it yourself credit repair site. \n\nThere is no sense paying for anything or anyone to do what you can do yourself. Especially since alot of those credit counseling places will leave you worse off than you are now.
13694
I'm assuming that you are talking about an old debt that you never paid and is now in collections.  The best option is to contact the collection agency and tell them you want to work out an arrangement to pay a portion of the balance.  Make sure you get them to agree to this in writing before you make a payment to them.  After you pay the settlement amount your credit report will reflect the account as a paid settlement, which will let future creditors know that you didn't pay the full balance but at least made an effort to pay a portion of the amount you originally owed.
637759
If the original creditor has no proof of you having a debt they should contact the collection agency to clear this up themselves.There is also a form you can get from the credit bureau to dispute this debt. If you get a letter back from the original creditor send a copy along with the form.But more than likely you won't hear back from them. Most places don't contact you back to say they cleared up the problem. Stay on top of it.It will take awhile they don't do things to fast when it comes to clearing up mistakes, but they can report thing real fast.Check back on your credit report to see if they cleared this up.You can get free credit checks if you are having trouble with creditors.
1014611
All you need is your reports and an internet connection, sometimes a phone.  \nGet your reports annualcredit report.com\nFind innaccuracies/outdated information\ndispute online\nif your report contains accurate negative information, it can still be removed if it is unverifiable.  if you dispute and the company doesnt respond in the alotted time frame the information must be removed.  \nIts just so easy.  theres lots of information on the net.  Id give you my email to help further but im not sure if we can do that or not ;)
1154720
Write the creditors that haven't updated your report as yet.  They will be more than happy to see that you "did it" yipee! They will take a few weeks but keep checking.  They might even remove the report altogether but usually stay on for three years, some won't remove the report, even if paid off, for 10 years.  I even had one down in California (dept. store) that refused to remove my report, even paid off...ever.  I said what? They said we never will, you were bad.  Well, its gone now but that was years and years ago. Call the folks to be sure they process you as Pid In Full to each credit agency.  Its a lot of work, buy YOU did a lot of work to pay it off, now its their turn.
1105227
I need more info before giving you any good advice.  \n\nIf someone got credit in your name, and you are claiming the debt is not yours, then there is a procedure already in place regarding ID Theft.  Go to the first link below and read up.\n\nYou first need to contact the local police department and get a report.  Then you will need to contact the creditors who are after you and inform them that the debt is not yours.  Send them a copy of the police report, plus a signed and notorized affidavid saying your ID was stolen and this is not your debt.\n\nIt's up to them to prove it's yours, not the other way around! \n\nNow, to clean up your credit, examine the Fair Credit Reporting Act, and the Fair and Accurate Credit Reporting Act.  These laws detail exactly what you must do.\n\nFollow these instructions carefully!\n\nSend a dispute letter to the Credit Reporting Agencies demanding that the listing be removed.\n\nSend a "demand to validate" letter to the creditor, and demand that they prove this is your debt.\n\nIf this does not solve the problem, you can sue them in small claims court.\n\nThis is exactly what happened to me.  Someone used my ID to get a Holleywood Video account and run up $300 in charges.  It went to collections agency and ended up on my credit report.\n\nI did the letter writing stuff, but they still wouldn't take the listing off.  So I went to small claims court.\n\nThe credit bureau settled for $200.  The collection agent decided to fight me, and it cost them $1000 plus court fees.  \n\nThe reason they get away with this stuff is because consumers don't understand the law!  \n\nContact me if you need more advice or support.
654857
log onto the site www.annualcreditreport.com.  Check your credit report (you may have already done this).  Dispute that account on your credit report.  This is all you have to do!  The credit bureaus will then contact that source (AMER COL CN) and they have to prove that you once owed that debt.  If they cannot prove it or if the company cannot be located (this happens ALOT-sometimes I don't think the companies even check into it to verify the debt-they just don't respond to the credit bureau) or if they do not respond within 30 days to the credit bureau, your collection is removed.  This would boost your score lots of points!  Don't go crazy trying to locate that wireless company, do this first!  I have seen many collections deleted this way, including a medical collection of mine.  It is really easy, too!
979085
What other information do you need?\n\n1) Negotiate an offer to pay the debt. \n\n2) Demand that they agree IN WRITING to delete any negative information from your credit reports.\n\n3) Demand that if you are only paying a portion of the debt, they agree to consider this debt "paid in full" and give you a letter saying that!  Otherwise they could sell the remaining portion of this debt to another collection agency.\n\n4) DO NOT pay them a dime until you get these agreements.  Get the entire agreement IN WRITING explaining how much you will be paying each month.\n\nA sample letter is below.