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Capitol One is notorious for this sort of thing. You should find an attorney with Fair Credit Reporting Act specialty. C1 needs to first prove it's your account with the original application with...

Via certified return receipt mail, send them this:

. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b)...

YOu can contact the Better Business Bureau to see how they rate.

In writing (via certified return receipt), try offering less in return for a deletion upon payment. If they respond on letterhead, keep a copy of the check and the letter and send to the credit...

First, NEVER speak to them on the phone. To protect your rights, everything should be in writing, certified return receipt mail.

Next thing you should do is request validation of the debt with...

I am a credit specialist and deal with clients on this all the time.Once they are paid off, contact the bureaus in writing with copies of the front and back of the checks. Request that they be marked...

On any derogatory accounts where you have already acknowledged the account is yours, before making payments, contact the creditor by phone first and try to negotiate a settlement via an "offer in...

Request the validation of the debt with original signature, send certified return receipt letter only. They have 30 days to respond or respond in court with the docs.

If they do show up and have...