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Can someone tell me, what’s the best way to dispute a very old missed payment or something that has gone to collections?

My credit score is way too low for someone with my income level. I am good about paying everything in full but things like college term bills / sorority dues hit my collections when I was way younger and my credit score is still trash, with a very low credit limit on each of my 3 cards. I’ve done everything to get it up but it’s still not enough.




How old is this debt? See, negative items stay on credit report for 7 years. Once they drop from your credit report, your credit score will climb.

If you have money, pay off the collection account in full. But you should request the collection agency to validate debt first. That is important. If they can validate debt, pay them off in full. Keep on adding positive information to your credit report. That will help.

Sub: #1 posted on Wed, 02/02/2022 - 22:22

David Martin David Martin

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Thanks

Sub: #2 posted on Thu, 02/03/2022 - 15:56

Fred Ramon Fred Ramon

(Posts: 6 | Credits: )

Hi guys, I finally found a permanent solution to my issue. I kept asking for years what’s the best way to dispute a very old missed payment or something that has gone to collections? I thought my credit score is way too low for someone with my income level. I am good about paying everything in full but things like college term bills / sorority dues hit my collections when I was way younger and my credit score was still trash, with a very low credit limit on each of my three cards. I’ve done everything to get it up but it’s still not enough until I met skilled set of pro's in credit building from reddit and sent them an email to help me, their official mail is synod @ tutanota . com, I know we are not supposed to share information like this on here but I believe since it helped me then why not help others too? that's what any decent human being would do. There are a lot of people struggling with credit and sometimes no matter how many rules you follow you just can't get where you want it to be, you need that extra piece of knowledge and help and that's where synod comes in. It was pretty amazing when they started pointing out my errors and where I could do better and now I am hanging in the ranges of 700's. And this forum has also been tremendous help too because the habit of saving has prompted me to clear my debts on time and I'm grateful for that particular advice which I got off this platform.

Sub: #3 posted on Mon, 02/07/2022 - 21:53

Fred Ramon Fred Ramon

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