Got a question on a Bill that has been turned into collections.

[Whatamess]

Hello im new to this stuff and im trying to get my credit up. I have a Credit Scores of Experian 587 - Equifax 518 - and Transunion 471 all this was pulled today. Im trying to get on a loan with my girlfriend to get a house. Were tired of renting she has good credit but does not make enough to get the loan we need.

Over the years i have had bad habits, some health problems and sucha nd accumalated alot of medical bills, and a few that are non medical. Im told if i pay the non medical bills that i can then get this loan with her. I owe roughly around 2,000 non medical. But some of these bills are very old, and some are not to accurate in my mind.

Here is my problem:

I had a internet company i used years ago back in 01 called HMC LTD INC. I owe them a bill of $47.00 which does sound right and im not even trying to deny it. But my problem is They are hitting me twice on my credit reports.

Equifax and Experian have it as being turned into collections. The collection agency is AR Resources Inc. It was opened on 3-03 and says last active on 3-07. Says unpaid; and closed on 3-07 I have not even talked about this account in years in fact ive never talked to anybody about it EVER. That is the one collection agency.

Then the other is turned into Transunion. HMC LTD INC. Reivable MGT. is the collection agency. Opened 5-01 last active 3-01 reported 6-02. Unpaid Closed 6-02. Both of these have different account numbers.

Both show a payment of $47.00 due. Now what can i do to get this off my credit can i just call the Credit Reporting Agency and tell them this account should be off my record since it was opened in 2001. And say i never even got the bills sent to me. Which is true i moved several times in the last 5 years so my credit is a mess.

Im wanting these off asap. And if i can just do that i prefer to. Then the other one should drop off since the other one dropped off right im seeing it as reaged.

Please help.

The loan company is telling me i have to pay all these in full throught he collection agencys to get them shown as paid and then i can get approved for this loan but if i can get them completely off my credit report then that woudl even be better.

thanks for your help.

[qtptute]

Don't call the CRA's, WRITE THEM A LETTER!!!! Keep a copy for yourself and send it CMRRR.

[Whatamess]

ok kind of confused what to send them a letter about but ill figure it out.

one more thing if i find some stuff on my report that is from 01 and the 7 years has passed can i call the Credit reporting agencys to have this deleted over the phone???

i have like 4 of them that are over 7 years now.

thanks

[divemedic]

you need to be able to get them on fcra violations for verifying incorrect info.