Have some questions on Credit Report?

Have some questions on Credit Report? Ok I have super bad credit, but i want to repair it now, and i am thinking about paying the small amounts first, but i am a little worried there is two different collections on just one amount, if i pay one off will the other one automatically erase or how does this work i have a few charge offs and they are set to be erased next year but can they send it to another collection agency? If anyone knows how to delete charge offs from the credit please let me know how? I don%26#039;t have money to pay a firm to do it. Please help!!

These collection agencies often have no real right to collect from you. And remember as soon as you make a payment to them the statute starts all over so be careful who you pay. Also, NEVER EVER give them your checking account number or credit card numbers etc. They often use illegal tactics to get money out that you did not authorize.

I forgot to add- if you do decide to pay anyone- tell them that you will only pay *IF* they agree to remove the entire file from your credit report and make sure that you get this agreement in writing before submitting anything! This will clean up your credit fast. Myself-

Asker's Rating:

Thank you so much for the advice. I am going to start sending disputes on monday for every single little thing in my report but do you know how where to get an example of a letter to send to the credit people for legit accounts?

Other Answers (2)

• contact ALL your creditors and try to pay each a little at a time, instead of paying off one or two. Pay MORE to the lenders with the highest interest rates. A credit history is seen as a TOTAL picture, not one or two windows. Contact each of the agencies that issues such reports and place a STATEMENT in your file that you are trying to get a grip on your financial woes and pay off all your debts over time. This statement MUST be included when they send out your report in future when you apply for credit.

Answer Over!
-------------------------------------------------------
More Question and Answer

• Why would someone do this after stealing my credit card #?
• Credit Card question?
• Will i lose everything in a chapter 7 bankruptcy?
• Credit cards??
• I am having to explain some items on my credit and Is there a format letter out
• Will this hurt my credit score?
• Why is my credit rating getting better as my debt increases?
• Bad credit?