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Update dispute journey
Ok so I really examined my credit report and opted to try my hand at disputing and even paying off some things listed on my credit report. I had initially 5 open collection accounts when I first signed up with CK and looked at those firstly. I had a charge from Penn Foster for $1,045 which I knew was wrong off the bat since I never attended that college, but knew my brother did who also shares the same first and last name with me. I called them up and proved that I was not my brother with my different SSN#, middle name, address, and DOB. So knowing this the manager of their collections deleted my account right away putting it on my brother who it really belonged to. She was very nice and said sometimes this happens and she would report this to all three credit bureaus that the charge was deleted because it didnt belong to me. Second I called NCO Finanial and found out the $120 charge was from the nurse who visited my home when I broke my leg. Knowing this was mine I offered to pay it and was instructed to do so online. A quick process and verifying the confirmation number lead to an immediate deletion on care centrix's part. I was told to call their collections department in a week to verify they have reported to all three credit bureaus. I also found out that the public charge on my account can be rectified by going to the aparments in person and paying them the $541 or less if they agree and then received a public charge release letter for my proof of payment. I will be doing this sometime in March when my vacation is over. I have to say I really did think I might have to pay a huge amount for a credit repair service but today found out that I could take care of all this stuff by myself for free. So everyone pull up your credit reports and do the work yourself and you will be surprised at how much a little persistence and lots of following up can get you. Good luck my credit brothers and sisters...

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