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gidgeygurl

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how do I clear up accounts in collections?
I have 6 accts in collections. How do I see what owed amount is for and get it reduced and paid for?

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First pull a complete credit report at www.annualcreditreport.com.  Then review all the accounts and dispute any errors with all three bureaus.  Second, check the age of the collection accounts.  They will fall off 7 & 1/2 years after the day they went delinquent.  If you pay them, then they'll stay on your report for 7 & 1/2 years after the date you paid them off.  You can sometimes negotiate with the collectors for a "Pay Per Delete"; you get IN WRITING from them that they'll delete the account from your credit report once you've paid it in full.  To learn more, visit www.credit.about.com and look at Paying Debt tab.  Best of luck!

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