I am new and trying to sort through the vast amount of information available here. I am trying to put together my strategy to clean up the mess I've made. I have 15 negatives on my credit reports (very embarassing). A couple appear to be out of SOL, there is 1 I don't know anything about and am disputing now, 1 is an old workmans comp case that my employer didnt finish paying for (I'm working on that now also) and the rest are mine. I have a ? about settling accounts. The accounts I am considering settling have all been turned over to collection agencies as the original creditors charged them off. In a couple of cases these accounts are on the 2nd or 3rd collection agency. If I were to try to settle (for deletion if possible), with the original creditors, how would I go about getting the collection agency listings off my report. I don't understand how this part (or most parts of this whole process) work. If OC does not agree to delete but I settle for whatever will the collection agency entries stay on my report? Please forgive me for this looonnngg ?. Thanks for your help.
