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Sunnah1st

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what is the phone number that I can contact to arrange payments on my report?

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First, check all three credit reports to make certain the debts listed ARE yours, because errors are common on credit reports.  Go to annualcreditreport.com to get copies of all three reports, look them over very carefully and file disputes on all incorrect information with the credit bureau reporting same.  You'll want to make this credit report check an annual ritual.  On the reports, you should see information on how to contact the companies listed.  If the accounts are yours, you'll want to negotiate repayment by letter only and keep copies of all correspondence.  NEVER try negotiating anything by phone, since yoiu'll have no proof of what either party said, and proof is vital.

Please read the articles on this site since you need to know how credit works and how to have it work for you.  That is the purpose of Credit Karma, since far too many people do not understand these things and are paying dearly because of it.

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