Can anyone provide any help as to how I would get paid collections/paid chargeoffs off of all 3 of my credit reports? I went through a debt settlement agency to get 90% of my debts paid off. Which I did Yeah. But now they are on my credit report as paid chargeoff/paid collections. The debt settlement company tried to get the creditors to agree to remove their accounts from the credit report but only 1 agreed. These accounts are all about 2-3 years old. Should I write each individual creditor and try to appeal to them? I have been using Lexington to dispute the items but they have been mildly successful. Any help would be greatly appreciated. Thanks P.S. One of my creditors reage my account after I paid them off. I read that this is illegal because it should still state the original date of delinquency not the date of last activity. Is this true?
I'm gonna take a stab at this. 1st off dispute them as not mine, to the CRA's, wait until around Dec 5th-9th (see the post CHOD). Yes it is illegal to reage a debt. Some of the creditnet "regulars" may be able to steer in the right direction for legal advice. You might want to try some Lizardking searches on the board. Kellie
