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ironhorse93

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i was wondering what could i do to get rid of the collections and inquires on my credit report

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Personally, I wouldn't worry about the inquiries, they only count for 10% of your score and after 2 years they don't count at all.  I've never had much luck getting inquiries off, but you can call or write the lenders and tell them to remove it (assuming you did not authorize the inquiry).  Realize that only HARD inquiries hurt, soft ones don't count, so only dispute hard inquiries.  On the collection accounts, if they are not yours, then write to the collectors and bureaus and ask for validation.  If they are yours and are unpaid, you can wait for them to fall off your report or you can pay them off.  Either way they will come off your report automatically 7 & 1/2 years from the date the account went delinquent.  If you decide to pay, you can ask them for a "pay per delete", where they state (in writiting) that they'll delete the account once paid.  Worth a shot.  Best of luck!

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