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Thanks symone91 !

I'm beginning the process now. How long did the process take for you?

-Ena

Thanks to everyone for the advice...

They are listed on my credit report as being held by a collection agency, but I have made no contact with; or payments to the agency.

-Ena

Thank You Guys!! I have been trying to figure out what I should do about these accounts for the longest! I really feel more informed.

Ena :)

Hi,

I have a student loan (some private lender offered by the small school) account on my credit for a $20,000 credit limit with a $4800 balance that was categorized as "bad debt placed for...

I have two (a major department store and major banking institution) revolving accounts that have been open since 2000 and 1995 respectively, but have held a zero balance for the last several years....

Hi,

Concerning the Debt Validation / Verification process:

If a debt is due to expire (over 7 years old) in a couple of months, is it better to validate /verify it; or wait it out and then get...

Hi,

I am about to begin the Debt Validation / Verification process, but I'm not sure where to start with the letter wrting process. Do I write the Credit Bureaus, Collection agencies, or the...