IF YOU ARE LOOKING TO FIX YOUR CREDIT HISTORY PLEASE CHECK OUT THE LINKS PROVIDED.
I personally have had two debts cleared on my credit report and it helped raise my score significantly. These were medical related so it YMMV. It can even help clear your report if collections agencies passed around your debt enough and can't provide a solid paper trail.
I originally encountered this in reddit and it helped clear up a lot of confusion for me. It can also help you clear paid debts off the credit report if need be, I had 2 collection agencies keep paid debts on my credit report.
http://whychat.5u.com/
^^^^^^The above link is an introduction and gives you sample letters for different scenarios.
Additionally there is a sub-forum where knowledgeable members can help you out. I asked specific questions here and it helped me along in the process of getting my credit history cleared.
https://creditboards.com/forums/
**Note this isn't legal advice, but I hope it can help other people as it has helped me greatly.**
I personally have had two debts cleared on my credit report and it helped raise my score significantly. These were medical related so it YMMV. It can even help clear your report if collections agencies passed around your debt enough and can't provide a solid paper trail.
I originally encountered this in reddit and it helped clear up a lot of confusion for me. It can also help you clear paid debts off the credit report if need be, I had 2 collection agencies keep paid debts on my credit report.
http://whychat.5u.com/
^^^^^^The above link is an introduction and gives you sample letters for different scenarios.
Additionally there is a sub-forum where knowledgeable members can help you out. I asked specific questions here and it helped me along in the process of getting my credit history cleared.
https://creditboards.com/forums/
**Note this isn't legal advice, but I hope it can help other people as it has helped me greatly.**