What is the best credit solution?

Question

ok I had 4 credit cards that i stopped paying on back in 2003.
so on my credit report I have the original lendors reported it as charge-off with zero balance, then i have those 4 debts go to a collection agency with again a charge off with zero balance and "sold/transferred" in remarks. so in short i have 4 debts that was sold/transferred 2 to 3 times, and all of those collection agencies show up on my report. Now i finally got fed up and paid those collection agencies a total of $3200. Those collection agencies have reported those debts as "paid".
I already tried the pay to delete method and didnt work, they say that cant do that, i even tried to pay them a little extra to delete.
So my question is now that I've paid the collection agency that last had my debt, can i get the previous collection agency that had my debt from which it was "sold/transferred" from deleted?
If so how would i do so?
I want to buy an house in couple of months, so please guide me.
thank you

Answer 1

If a person has accumulated a large amount of credit card debt due to multiple credit cards, the need for a proper counseling for credit card debt consolidation can't be understated. Credit card debt consolidation counseling helps a person get vital insights into the facts that can help him get control over the credit card debt.

Credit card debt consolidation counselors are experts with a good knowledge of debt management, budgeting and behavioral patterns of credit card holders. These services are vital for those struggling to manage their credit card debts. Also called credit counseling or debt counseling the credit card debt consolidation counseling brings immediate relief to a credit card holder.

A person seeking credit counseling can get it from two types of organizations. The professional or commercial organizations, and the non-profit organizations. As depicted by its name or categorization, the commercial organizations charge money for their credit counseling sessions and consolidation help on the other hand the non-profit organizations offer free of charge services. Just because the non-profit organizations are free, it doesn't undermine their quality of service. The persons associated with such organizations are thorough experts and have lived the trauma of being under credit card debt themselves and hence bring their vital experience to the credit card holder.

When a person approaches a credit counseling agency, the first thing it will do is to take stock of the situation and get various facts about the credit card debt. The credit counseling agency collects data about the income, expenditure and spending habits. It will guide the credit card holder about budgeting benefits and try to inculcate good financial habits. Read more from: http://www.credit-card-gallery.com/article/353,Credit_card_debt_consolidation_and_credit_counseling_great_tools_to_get_rid_of_credit_card_debt

Answer 2

The only thing that they can report is paid collection or paid for less than full balance. The problem lies with you sir. It is because of the Fair Credit Reporting Act. They must report the TRUTH! they must show settled on the account

Answer 3

You should look at the solutions offered at http://www.your-credit-solution.com .