Hello, I have recently discovered that i have a few medical bills that were sold to collections on my credit report. They have been there less than two years. Of course getting worked up about this, i spoke with a creditor and made a 250 dollar payment to a total balance of about 3 grand. I Just want this off of my credit report. Even though i made this small payment, can i send them a letter telling them that they are not legally allowed to access my credit report without my permission and to remove these accounts off of it? or will i need to settle. I cannot make these payments anytime soon as i have a lot of financial responsibilities currently, and this has lowered my credit score a great deal and i need it off asap. Do you have a quick solution or less time consuming one to get this off of my credit report? That would be good if that letter to remove those accounts off of my report would suffice. I would still want to pay off the debt, but do not want it on my credit report.
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.