Hello people, I have an old debt from about 5 years ago that has showed up on my credit report when an employer checked it. They said before I can be employed I need to take care of this debt by getting it reduced. I am not sure how to do this. After hours of researching companies that offer services, I have found that it is best to do this on my own seeing as how it is only one blemish and it would cost little compared to using a company that specializes in this. I would like it to be removed from my credit report so it shows nothing negative. I have requested a credit report, and I am waiting to get that in the mail, (for some reason they would not let me get it over the internet). I am not sure what to do next, mainly because I found so many different contradicting suggestions. Any help is greatly aprreciated. Thank you!!
Wait until you get the report. Lets see who the collector is, how old it is, etc. then form a plan of action from there.
While employers now do check potential employees' credit histories, especially when the positions involve money matters, only one bad mark on a credit report is really nitpicking. This might be a politically incorrect question, but are you white/caucasan or not?
