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Originally Posted by DirtyDanza
about 15 but it seems a bunch is listed twice like at one creditor and one at another... so is best to just call each one and "make a deal to pay off in full" for a certian amount? then what say I do em all that really don't give you a better credit score does it it will just take bad shit off so the good shit can acutually pmprove your score?
im confused about credit and all that shit.....
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You have two options. You can dispute each negative item at all 3 credit bureaus, and if the creditor doesn't respond within 30 days they have to remove the item from your report. I noticed that this is easier to do with older items that have been on your report a few years. Remember, you do need to get a 3 bureau report and dispute each item with each bureau, although some items may show up on one report and not another.
The second option is to call each creditor and arrange a settlement. If it is an old debt you can often settle for a lot less than the original amount. You have to remember to get in writing that they will remove the negative item on payment, because if you don't then it will just show up as a paid collection, and that is still negative. Even if they don't remove the item afterwards the credit bureau will when you forward them a copy of the agreement.
If an item is listed on there more than once it is because it has probably been sold from one collection agency to another. They can only list it once, so if you call all 3 bureaus and dispute it they will take that off...