Repair Credit Report Help

How can I fix my husbands credit report!?

On My husbands credit report it has Verizon Wireless 18 times on there for the same bill, apparently it went to collections and then that collection agency sold it to another collection agency and so forth but now it is on his credit 18 diffrent times for the same amount. I am under the impression that if you have something in collections it can only be on your credit report once not 18 times for the same bill. If I am correct how do I get those other 17 off his credit score and make his credit score go way up. There is only one other thing on his credit score and they have rated it as a 473 because of all the Verizon Wireless bills on there. (By the way we have already paid the bill). Thanks for your help.

Public Comments

1. get a statement from verizon saying it was paid also tell them to try and call off the collecton agencies. they probably won't so then call the agencies yourself and fax them a copy of the paid statement and tell them to remove it from his credit report. but as far as i understand it the damage may already be dont for 7 years
2. you need to contact expirian or another credit reporting agency and make a dispute. I disputed a credit claim from a doctor who did not send off a bill for several months, and once he did, we had already moved. We assumed the bill was covered by insurance after paying our copay at the drs office, but there was a $90 bill for lab work that was not covered. My credit got screwed much in the same way that your husbunds did. I made a dispute and told them the whole story and about 2 months later they took the claims off my report and my credit went back to normal. I was at 600 or something and it went up to around 680 afterward. A good way to raise credit after you get it straightened out is to lease a BMW. BMW financial inflates your credit score quickly. 3 years later and I am now at 730.
3. YOU can't fix your husband's credit report. He has to (or, at least, he has to sign the letter.) Write the credit reporting company, point out that the same collection appears 18 times, show them proof that it has been paid, and tell them to remove it. He can also append a written statement to his credit report explaining the high number of collections, to show that he is aware of it and have taken steps to correct it. Also, write Verizon and ask them to remove the multiple filings. You may have to be stuck with one, but at least it won't be 18.
4. Debt Validation: The ultimate weapon against the collection agencies You could try to use debt settlement methods with a collection agency, but you might want to try debt validation first. Why? Because they may not even be legally entitled to collect the debt from you. DON'T PAY SOMEONE TO DO THIS FOR YOU. Do it yourself for free.
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6. Just go online to where every you got the reports and dispute each one as "duplicate reporting" it worked for me
7. Usually companies charge hundreds of dollars to simply pull your credit and send correctly worded dispute letters—this is the key…..people will tell you that you can do this yourself for free but the truth of the matter is that the credit bureaus will throw your letters away or simply reject them. There is an easy to use online kit that will deliver the results you want available for just $19.95 at the source website. A similar kit is being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact.