Do I have to wait a full 7 years to dispute a collections claim on my credit report?

In short, no, you do not have to wait 7 years. In fact, you should dispute it immediately with any/all bureaus where it is reporting. Be sure to...

I'm concerned about the integrity of a credit service promising to fix credit fast for monthly payments to them.

I agree that advance fees are prohibited by Federal Law. Also, Texas requires Credit Repair companies to be registered and bonded. Your friend...

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I received a call to say they tried to deliver a subponea but no one was home. However I was never served what can happen

BE AWARE!! I have heard this from a number of clients and it is usually a scam to try and scare you into paying a debt. Most often, it is a debt...

Can someone please recommend some credit repair companies in Texas.

You will want to check with the National Association of Credit Services Organizations (NACSO.org). They can provide you a list of licensed credit...

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Debating best process for disputing my credit report. Should i get my credit reports mailed to me and mail my dispute letter?

The most effective way to get results is to dispute them through the mail. For too many reasons to list here, I do not like on-line disputing. You...

I wanted to ask you.is that credit repair sites are accurate and real??

Much like any industry, there are good and bad actors. If they over-promise, be very suspicious. The National Association of Credit Services...

A well known cable company sent me to collections and screwed up my credit score over money I don't owe. Can I sue them?

The first step would be to dispute the improper reporting with the credit bureaus. Do this in writing via snail mail. DO NOT dispute it on-line. If...

Can I clean-up my own credit? I heard that once taken care of, monies received after ten days it should be removed from report.

Unfortunately, there are a lot of myths out there about credit repair. A common example is that paid collections get removed from the credit report...

Can I charge for giving advice on how to increase someone's credit score? I am an experienced bank manager.

In addition to the Credit Repair Organization Act (CROA), many states have their own statutes that govern Credit Service Organizations. Ohio, for...

If a collection account is 6 years old and sold to another collection company does it remain on your credit for another 7 years?

I agree with the above attorney's that this is how it is SUPPOSED to work in accordance with the FCRA. However, it does not always go that way. I...