Repair Credit Report Help

Trying to fix my credit report. Who do I call? Who do I pay?

Some things on my report says went to collections who do I contact to pay there isnt any numbers. I am frustrated cause there was a 800 number that messanged me to call another 800 number and the guy there talked to me like I was dumb saying why am I calling I said trying to fix my credit report he said he has no idea what I am talking about it was a number to equafax or something like that I tried to explain a 800 number gave me his number to call but didnt. Anyways what credit place or places do I call and does anyone know the number???

Public Comments

1. I am in the process of cleaning up my credit and I have gone ahead and called the original creditor for the amount that was owed on the account along with the name and number to the collection agency they sold your account to. The reason I suggested you ask the original creditor what you owed them when the account closed out is because collection agencies will add on extra money to make money on the side.
2. Your credit report contains the name and address (hopefully) for the person who posted this to your account. That is the one you need to contact. If the info is not listed in your credit report, send a dispute letter to the credit bureau and demand verification. Also in your letter demand to know the "method of investigation", meaning you want to know the person who responded back to the investigation, their address and phone number. By law the credit bureau must supply you with the source of the person who is verifying your debt.
3. Read this article from the FTC before going to a credit repair company. You will save yourself a lot of money and wasted time. http://www.creditscorequick.com/2008/02/ftc-credit-report-repair-facts-for.html
4. you can get a free credit report online. I know you can, I've found them. Find at least one debt you know is ligit (have no doubt you owe is) with contact info, get in touch and make an arrangement. After you start paying one or two, and after updating you current contact information, other creditors will get in touch and most of them will work with you.
5. Don't bother going to the original creditor if the debt has been sold to a collection agency. Just because they sold it to one, doesn't mean that agency still owns it. If there's a name listed, you can probably get the address if you google the name. Send them a certified, return receipt letter requesting validation of the debt, to include proof they still own the debt. Start with the newest derogatory and work back to the oldest. The older the item, the less impact on your score. Also older debt is more likely to settle for less. Lump sum gets the best deals. Any payment plan has to be short term. Get any settlement agreement in writing and keep it, along with your payment proof, forever. Do not give the collection agency direct access to your bank account. Paying off old debt won't improve your score. The damage is already done. However, paid old debt looks better than unpaid. Creditors look at your whole report not just the score.