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Ehab11230

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Can you pay someone to get collections off your back?
My boyfriend found out his credit score wasn't what he would like it to be. I was half asleep when he was telling me about all of this so I might have some of it mixed up(sorry.) He was telling me an old payment he forgot about ended up going into collections. He went online and found a law firm out of California (we are from Illinois), that can make it go away and help his credit go up. He says it costs around $400 and a couple of weeks for them to do it. I'm a little skeptical, think it's a scam? Any ides on what to do?

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You could be quite right on the scam bit!! Anyone that advertises that they can "fix" your credit is someone to be very leery of.  Many of these take the money and might have the debtor do something that is not quite ethical to "fix" the credit. 

Instead, tell significant other to go to annualcreditreport.com and get copies of all three credit reports.  They are FREE once a year.  Then have him look them over very thoroughly and file disputes on all wrong information with the credit bureau reporting same.

If this one account did go into collections, he should find the address of the company doing the collecting on the credit report.  If that account has not passed the Statute of Limitations for Collections (that is something to look up on line since it varies by state) he may be able to write them a letter offering a "Pay for Delete" settlement.  Start at 25% of the amount they are trying to collect and be willing (though do not tell them so) to go up to 50%, but no farther.  They might do it.  OINLY do the negotiations by letter so there is written evidence of that agreement.

You may wish to read the articles on this site so you can learn what to do or not do to build good credit.  That is what Credit Karma is all about.  Wish you the best!!. 

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Ehab11230

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Thank you so much!!

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