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RSLahnum

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*** do I know what's on my credit report, and how do I remove something that shouldn't be there?
I have receipts showing that some of this stuff has been paid

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To remove an item that should not be on your credit report; simply write a letter to the credit bureaus reporting the item and explain why it should be removed.  Keep in mind that paying off a collection does not mean that it will be removed. You must negotiate with your creditor that if you pay the collection in full; if they would be so kind as to remove the item off your credit file. Legally they don't have to remove it.  Collections will stay on your credit for 7 years.  If you find something that you can remove; it will be updated within 30 days of the bureaus receiving your dispute letter.

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