This one is sweet and to the point. Before you start Disputing anything with the Collection Agencies, take a good look at your Credit Report first. You maybe able to get rid of allot of your problems with them as far as negatives items being on your credit report. Now if you have tried all that you can with the Credit Bureau's and all have failed, then you can pursue the Collection Agencies. Word of advice, Collection Agencies are not very trust worthy and sometimes don't have all the ammunition that you think they would have considering that they are after you for a debt that they have bought from the original creditor. So firs thing, do not give them any information about you that they didn't know before. if they say its your debt, then they should have all of your current information; and don't confirm any information that they relay to you. Allot of times they fish to see if what they have is correct. Some of them don't even have your social security number, which make you wonder, why are they reporting on my reporting without a ssn or how did they get the ssn number? ha, anyway, Never make any deal with a Collection Agency unless they mail or fax one to you and has a signature from a higher up in there company, ex: manager, supervisor. They are notorious for making flake deals with unsuspecting and unaware individuals, that makes things worse for you. And also don't believe when they tell you that they can not remove the negative item form your credit report, they can, because, they are the ones that put it there, and I myself have made such a deal. They can even cut deals with you to update your account as a positive account, depending on the kind of flexibility they have or want to have. There is nothing that cant be done.
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