I am working to repair my credit and have made offers to repay debt but was denied by the company the payment i knew I could pay

While Mr. Busby is right to ask you what your question is, I think I get the gist. No creditor is obligated to accept less than the full value of...

Disputed items on Credit Report.

In court the burden of proof is not on you to show prove the negative by showing that the account is not yours. The burden is on them to show that...

There are STARK differences in general credit repair like Lexington Law (which is a glorified version of what you can do for yourself through...

Are there any repercussions for credit bureau merging my file with someone else's?

Mistakes and merged-files happen. You need to check with TransUnion and Equifax to make sure they update properly, as well. If they are notified of...

A cop wrote me two matching tickets, the duplicate ticket went to collections. Can I sue for damage to my credit score.

You need to see if you've actually had your credit damaged. They may not be reporting, but if they ARE reporting, they will need to adhere to some...

Do I need a attorney to get my credit. Right?

Under the federal Fair Credit Reporting Act, Fair Credit Billing Act, and Fair Debt Collection Practices Act, only those items that are reporting...

Should I make arrangements to pay medical debt?

Medical debt itself is often not factored in to new purchases on credit, e.g., mortgage loans. However, once it hits judgment status, it goes in...

How do I go about offering a settlement for a debt after a judgement has been made?

Begin by contacting the opposing attorneys. They may be also servicing the debt. Otherwise, the debt will be held by the original creditor or a...

You have what is called a 'mixed file.' Your names are similar and so the information got cross-populated. Either that or you were an authorized...

Are credit bureaus allowed to keep adverse reports for the full 7 years, once the negative item has been disputed and deleted?

Under the federal Fair Credit Reporting Act, Fair Credit Billing Act, and Fair Debt Collection Practices Act, only those items that are reporting...