*Loan,banking and credit>>>credit repair

Repairing my own credit report.?

I have decided to start repairing my credit on my own. I have a few paid collections on my credit report. Do I contact the collection agency who reported the bill or exquifax to have these items removed from my credit report since they have been paid off 4 years ago? I am new to this so any info you can provide will be greatly appreciated.

Start off with the creditor. If that doesn't work, dispute with the credit bureau(s) which are listing the debt. Listed below is a link which helps people who are interested in repairing their own credit, has sample letters to send to creditors, and a list of the fines and the laws they are breaking if they don't follow the rules. (It's also free with no strings attached.) Good luck! Source(s): http://www.creditinfocenter.com/...

all 3 credit reporting agencies allow for online disputes, so it's easy to begin disputed outdate or to have them update inforamtion for your profile.
There are three main reporting agencies and you have to work with each one. Their sites have the forms you need.

However, be aware that they report ALL credit related actions - good and bad - for 7 years. You can't remove something unless is it wrong or it is 7 years old.
You should contact the credit reporting agency. If they do not respond, then you should contact the creditor. Most of the time the credit agencys will remove the item from your report (unless it's a positive item)
You will not be able to remove these paid items. They will remain on your credit for another 3 years. However, they likely are not seriously hurting your scores now, so I wouldn't worry too much about them. DO NOT request from the bureaus they verify these debts are accurate, as it will just put a current date on them and make them appear like they were just paid!

If you have collections, know that ALL collections are negotiable. Don't pay the full amount because you don't have to. But get the terms of settlement (dollar amount) in writing before paying the collection company a dime.

Contact the credit bureaus first and dispute all the bad, CURRENT, information. It is their responsibility to check to see if the info is accurate. If they can not verify it, they must remove it.

After you get the first response back from the bureau, then you know what you are working with and what you need to pay off/correct.

Also, see www.ftc.gov and read through their debt collection and debt reporting information for consumers. This is very helpful to getting things repaired. I do NOT recommend going through a debt counseling agency - doing it yourself is the best way to get things done right. It will be time consuming, but worth it.

Good luck.
start out by signing up with www.truecredit.com

Its about $14.00 a month membership and you get unlimited access to all three credit reporting agencies. Plus you can view your score everyday with live updates and they provide all the contacts for disouting, sample disout letters and even online disputing. This site helped me out alot and saved me form having to buy my score every week from rip off sites like myfico.com, which charges you to look at your score per agency for that day you paid only. Even though you get to view your score and report for a month you wont get day to day live reports on your credit. Your credit report can change within 24 hours so what good is it to have a score from 15 days ago if it already changed?

And as a word of encouragement, you can get paid collections of your report. I have had a judgement get deleted which shocked me. The judgement was paid and not due to come off until Aug 2012. I went and disoputed it anyway and by a streak of luck I was sent a letter from the credit agency that it had been deleted!

I think the key here is make sure the account is paid before disputing it!

Dont waste your time disouting unpaid debt unless its not yours!

Just my opinion