Join Date: Nov 2003
Sportbike: 99 Honda CBR600F4
Years Riding: 7
How you found us: Honda Sportsbike Network
For items already on your credit report FROM COLLECTION AGENCIES, simply dispute them with the 3 bureaus. The less words you use, the better. If they're not removed... wait 2 months, dispute them again. 2 months, 6 months, 1 year, 2 years. After 2 years, most collection agencies have removed the records internally, or won't be able to comply.
Never lie to a credit bureau... but also never tell them the whole truth. Phrases that have worked for me and my friends are...
"In spite of repeated written requests, the creditor refuses to provide details about the nature of the bill."
"This bill was paid as part of an insurance settlement and does not belong to me."
"This account is currently being litigated."
"I have no knowledge of this debt."
"This debt was listed as part of a fraud investigation."