You will have to first pull a copy of your credit report. Find out from there how many accounts you have and what are the status of the accounts. Check if the accounts are still with the creditor or has been sent to collections. In addition check if there are any charged off accounts.
Then contact your creditors, and collection agencies accordingly, and get the payment agreements in writing. Also request the creditors and collection agencies to agree to a "Pay for delete" (PFD) agreement. With the PFD all the negatives form your accounts will get deleted. Though not all creditors and collection agencies agree to PFD, you can still try.
However, if you think that there are any such debts listed which you don't owe, send debt validation letters to the collection agencies reporting the debt. Once you become current on all your accounts, you credit score will gradually increase.
I would actually start with the basic dispute process, rather than offering to pay right off.
I don't what your time frame is but rushing will not help.
first get your reports, then file disputes and see what happens. Make sure they own the debt and have the right this report before you work out the PFD.
please come and lets know about these debts.
do you have all your credit reports?
what state are you in?
what is the original creditor and the name of the CA?
what is the date of first delinquency? 30 days after last payment
Agree with cinnamngrl,
Seek validation on any collections first. Some people make the mistake of disputing these negative items with the credit reporting agencies first. Dont do this...the CRA's will only update your contact info to the CA's. That was my experience anway. Check statute of limitation on your collection items as well. You might not even be obligated to pay them.
Improving credit score
Hi jlynnperez,
Welcome to this community :)
You will have to first pull a copy of your credit report. Find out from there how many accounts you have and what are the status of the accounts. Check if the accounts are still with the creditor or has been sent to collections. In addition check if there are any charged off accounts.
Then contact your creditors, and collection agencies accordingly, and get the payment agreements in writing. Also request the creditors and collection agencies to agree to a "Pay for delete" (PFD) agreement. With the PFD all the negatives form your accounts will get deleted. Though not all creditors and collection agencies agree to PFD, you can still try.
However, if you think that there are any such debts listed which you don't owe, send debt validation letters to the collection agencies reporting the debt. Once you become current on all your accounts, you credit score will gradually increase.
Thanks,
Aaron
I would actually start with the basic dispute process, rather than offering to pay right off.
I don't what your time frame is but rushing will not help.
first get your reports, then file disputes and see what happens. Make sure they own the debt and have the right this report before you work out the PFD.
please come and lets know about these debts.
do you have all your credit reports?
what state are you in?
what is the original creditor and the name of the CA?
what is the date of first delinquency? 30 days after last payment
Agree with cinnamngrl,
Seek validation on any collections first. Some people make the mistake of disputing these negative items with the credit reporting agencies first. Dont do this...the CRA's will only update your contact info to the CA's. That was my experience anway. Check statute of limitation on your collection items as well. You might not even be obligated to pay them.
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QFKDYZ wow, awesome blog. Much obliged.