What's the 1st step?

i pulled my credit report and i have questions, first i have a gas and credit bill from 1995 still on my credit and then i have the company that bought the account on there also. so the debt is on there twice. What can I do?

i got a call from a collection agency for secure credit card i had in 2000. It is on my credit report as a charge off as of 2001. The collection agency said they bought the account and has put it on my credit for another seven years if I do not pay the amount owed. Is this legal? Can companies buy your old accounts at the seven year mark and reopen it?

I opened a joint credit card with a former boyfriend years ago. I was entirely debt-free when I met him, and after 3 years, I accumulated around $30,000 debt in credit cards. I had him as an authorized user on most, but we opened a joint card for $10,000. Needless to say, when we broke up, I took him off of the cards so he can't charge, but the joint account I had to close because the bank would not agree to divide it in half. Although he verbally assured me that he will pay off half of the joint credit card (some day), it's been a few years and he hasn't paid a dime.

Lets see. I ran a home based business that eventually went under, went to college, and moved a few times for various jobs that ultimately didn't work out. I have around 30k in debt, 90% of which is on credit cards (some medical stuff and car too). My credit rating is "fair" and I am not behind on any payments. I now make 40k a year, but my cards are maxed out and the payments+fees will soon exceed my ability to pay and become behind. What is my best situation for getting back in control? I could probably get a debt consolidation loan with a parent to cosign for it.

I am a US citizen, If an international company hires a collection agency and they contact me, if I request validation in writing, Will it show up on credit report immediately? Will they have to remove it from report after I request validation? If they cannot provide validation does it legally have to be off the credit report at that time? If It can be validated and I make payment arangements and pay off the debt will it be off my credit report? *the bill is around $1000 and my main concern is that it be on my perfect credit report for longer then a month or 2, the debt is highly disputab

I just needed to share with everyone - I was working with Credit Solutions (I know bad idea) Anyways, they were not able to settle two of my accounts. So, I asked for an addendum to my account. After all, they did get a pretty good settlement on one of my accounts. (go figure). Well, the first time they sent me a new payment schedule that was totally unacceptable. So I made a complaint and guess what - I am now getting a refund from them. (They wanted to charge me over $100.00 for another 8 months) I still feel they took me but I guess I have lived and learned.

I just got a new account with BB&T. I was aware of two incidences of "account abuse" on my chexsystems report, but BBT opened it immediately anyway. They said they will normally open an account as long as the person doesn't have a "balance owed" reported on chexsystems. This is a big deal--I've tried a lot of other local banks and I was not this fortunate.

I am considering Sifxpert to do my DS. I will appreciate any experience with Sifxpert good or bad. Thanks In Advance

Has anyone dealt with simms and associates??????