Cleaning up your Credit

OnyxCougar · 05-03-2005, 01:51 PM

The first step was getting my credit reports. Which I've done.

My FICO is dismal, and I want to raise it.

On my credit report, it lists a credit card under the issuing company, and then again, under the collections agency. This nearly doubles the outstanding balance on my credit report.

Is there a way to make them remove the credit card company or have that balance zero'd out, since the account was given to a collections company?

Reporting it twice as two separate accounts just doesn't seem right to me.

Also, they don't have my correct address or employer, and have that it was last updated in January of 1970.???

05-03-2005, 01:51 PM	#1
OnyxCougar Junior Master Dwellar Join Date: Mar 2003 Location: Kingdom of Atlantia Posts: 2,979	Cleaning up your Credit The first step was getting my credit reports. Which I've done. My FICO is dismal, and I want to raise it. On my credit report, it lists a credit card under the issuing company, and then again, under the collections agency. This nearly doubles the outstanding balance on my credit report. Is there a way to make them remove the credit card company or have that balance zero'd out, since the account was given to a collections company? Reporting it twice as two separate accounts just doesn't seem right to me. Also, they don't have my correct address or employer, and have that it was last updated in January of 1970.??? __________________ Impotentes defendere libertatem non possunt. "Repetition does not transform a lie into a truth." ~Franklin D. Roosevelt

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