My credit is a jacked up. It was great for many years and I recently had some struggles which affected it negatively.
Your post is missing a lot of facts, but here is what I think you are trying to ask?
You currently have several unpaid debts, such as credit cards or payday loans that you have recently begun to miss payments on. This in turn has damaged your credit. What can you to do stop the future reporting of missed payments to your credit reports without paying these debts?
Answer: Bankruptcy, which may or may not make sense depending on your specific situation.
If you do not want to work out settlements with these creditors they are not going to go away. Some may file lawsuits, while some may sell the debt to debt collectors.
I hope this perspective helps.
My answer to this question is for general purposes only and does not establish an attorney-client relationship and is not legal advice. You should contact an attorney directly for legal advice. We are a debt relief agency and we help people file for relief under the Bankruptcy Code as well as resolve other debt issues.
There really is no quick fix here. If you have any debts in collection with you can offer to pay them in full if they agree to delete from your credit report, but they are under no obligation to do so. Other than that just pay your bills on time going forward, all negative information should be removed 7 and a half years after it became delinquent.
The law requires accurate credit/debt reporting. If you fell on hard times and struggled to keep up with your obligations, your creditors (or debt collectors) are obligated to report accurate information to the credit bureaus. If any of the information is not accurate, I would suggest you consult with a consumer rights attorney who has experience with credit reporting and debt collection rights. If, however, you are just looking for a quick resolution, I would encourage you to careful with "credit repair" companies that might take your money and will not be able to offer any meaningful help.
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