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jsi123

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What is the best way to deal with charge offs from a credit card and debt collector issues?
I have 2 recent charge offs from different credit cards on my report. I have one older debt that has been sent to collections. What is the best way to deal with both issues? I read somewhere that you can dispute it by saying " contract canceled" since the debt had been sold to debt collectors. They had already paid taxes on it so that releases original debtor. Does anyone have any additional info ? Thanks in advance

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You can't successfully dispute the accounts because they were your accounts that you defaulted on, which is why they went to collections, etc.  Until their time is up (explained in the articles here) they will show on your credit reports and have a bad effect on your credit score, which is understandable. You might be able to negotiate a pay for delete agreement (alsoexplained in the articles) or not.  Your choice.

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