I have 3 charge offs on my credit report, the debt just under $1500 total and over 5 years old and from what I gather the statue of limitation has expired on them (is that the right wording?) but I heard from a collection agency about twice a year ago after I got a credit card.
How would I go about to remove these mistakes from my credit report? Do I try to contact these collection agencies and make an offer to pay a % or do I dispute them with the credit bureaus? I have zero paperwork from the creditors so I have no idea if what the collection agencies claim I owe is even correct. Also I found out that one creditor went bankrupt and sold all their debt to a collection agency. Years ago I just stopped recieving statements from them. I'm not really sure what to do. I would like to buy a new car but want to raise my credit score somewhat before I do.
Also if someone could recommend a site where they explain how to dispute step-by-step for dummies like me I would be greatful!!
2007-05-18
07:15:20
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7 answers
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asked by
halihalo
2
in
Business & Finance
➔ Credit