hello, i have 2 accounts in collections. one for medical and the other from a OC that is affecting my credit. i want to get rid of both accounts is it worth it trying to do a pay to delete or just try to dispute it? and is it the same letter to dispute if you can... can i please get the letters to get rid of these 2 accounts. i am actually trying to purchase a home and i don't want to contact any other credit repair companies because i know they over charge and i can doit it my self. thank you.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.