Credit Report Questions

I have accounts (credit card, medical) that show on my credit card as collections but no one is calling me about them, sending any correspondence. Some have been a few years. Some have dates on them that they will fall off report.

My questions is on the ones that have a little while to go before falling off, and I have not heard from them, what should I do. I am trying to clean up my credit as much as possible. Although I have a long way to go, what do I do about those type of accounts? If statute has expired on some of them, how do I get them removed?

Thanks in advance.

You should first contact the collection agencies and send a debt validation letter in writing to them. If the collection agencies are able to validate the debt, then you should try to pay off the debts in full. Ask the collectors to update the status of the accounts as "Paid in Full". Keep adding postive information on your credit report regularly.

Hi,
What were you doing all these while?! If you really want to clean up your credit then you have to act fast.

Contact all the collection agencies and validate the debts. After this save enough money each month and try paying back the debts as soon as possible. After you are done with clearing your debts report this to the collection agencies and ask them to update your accounts as "Paid in full". This may increase your credit score.

Thanks

If collections are appearing in your CR, the very fact of their reporting is considered an "initial communication with the consumer" that invoked their requirement under FDCPA 809(a) to have sent you a formal collection (dunning) notice within 5-days of that credit reporting.
Did they ever send you dunning notice? If they did, unless you live in Texas, you only have 30-days from date of their dunning notice to send a DV letter that invokes any compliance with FDCPA 809(b), and even if the DV is timely, they have no requirement to respond. Your DV letter, if timely, would merely invoke the cease collections provisions of FDCPA 809(b). Since they are not conducting collection activities at this point, I see little to be accomplished.
You can still send a DV request, but it has no compliance teeth if not timely. They will most likely place it in their circular file.
You can, of course, send a PFD request, if you are willing to pay for earlier deletion. If it is outside of SOL, there would be no issue of legal action.

If you have debts on your CR, and the 'fall off' dates are soon on them, I would just leave them alone. If you make some kind of arragements on them (to pay them), then you will 're-start' the debt and have to start all over again with them. I have a few debts that will 'fall off' soon.