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I have just looked at my free credit report and noticed that almost all of my debts on their tend to be froma hospital or from a utility company. i have never taken out a credit card or a loan. can my credit be repaired at all in the near future and is there a way to consolidate these and pay them off together??
Hello yankee and welcome,
If you could get everyone listed on your credit report to agree for a pay for delete then yes it would clear your report. Also all of the listings on your account must be from the original creditors. If anyone has sold your debt to a debt collector then you could get the collector to maybe agree to a pay for delete but the original creditor would remain on your report for seven years. try contacting some of the companies and asking if you were to pay the bill in full if they would agree to a pay for delete. if any agree you need to get it in writing before paying off the debt because once you do and they don't remove it you would have trouble getting it removed if you did not have anything in writing.
Medical debt
Hi yankee,
Welcome to this community. I agree with fireyone. You can request your creditors and collectors to agree to a "pay for delete agreement". As a result the negative listings will get removed from your report. Contact the concerned companies and request them. Keep copies of all the agreements as proof.
Don't jump straight to Pay For Delete
1. Dispute each item on your report, if that doesn't work
2. Dispute each item with tradeline furnisher (623) if they are will to provide evidence of the account then
3. negotiate a settlement, preferably with delete
Did you know that the statute of limitations on utilities is only 2 years? that means if that debt is older than 2 years they can't win a law suit against you for the debt. they can still list it for 7 years but they should be open to deleting the account for partial payment.