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LMH007

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how do I reach the accounts on my report to contact them about balances.

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All the information needed is on your regular credit reports which you can obtain from annualcreditreport.com.  Check them out thoroughly, because mistakes are very common on credit reports.  When you find any mistakes, file disputes with the credit bureau reporting them.

Any accounts you know are yours will show the name and contact information of the creditor.  Before making that contact, do an online search for Statute of Limitations for collections and find what it is for your state.  Any debt that has passed the SOL time is uncollectable. 

Now, for the remaining debts, make all negotiations in writing and send them "certified, return receipt requested" and keep copies of all correspondence as proof of your efforts and their replies. 

You can find more information on getting debts paid and negotiating settlements in the articles on this site.  Teaching people hoiw credit works and how to make it work for them is what Credit Karma is all about.

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