How do I find an address for a creditor

[bacj]

A couple of bills were sent to collection years ago. I don't have any addresses for the collectors and I don't even remember where the account originated from. It there anyway to find out who I can pay to pay them off. I don't even know why they were not paid. I was not aware that they existed until a credit search.

[belleama]

Your reports should have the contact info.

[Tiffany978]

Make sure you read here as much as you can. A paid collection is really no better than an upaid one. I'm not saying don't pay, but at least try to go for a pay for delete.

[Pavlov]

If a negative item appears on your credit reports, dispute it with which ever CRA which is selling the information about you via your credit reports.

[bacj]

One of these accounts is from March of 1999. Reported to Equifax and it has no name associated with it, or an account history. I know that it came up when I applied for a mortgage, but does it really affect my credit score?

[pryan67]

yep...it's affecting your score...just don't know how much

 

dispute it as "not mine"

[bacj]

I sent out the letter for disputing it as not mine. I finally got an address, but I had to call. I could only get a number to call. When they asked to call me back, I told them to contact me only by mail. I just sent the dispute letter for the march 99 one out and another one.

 

I have to send a letter to the credit bureaus now.

 

 

A question, while under dispute, will the accounts be removed from my report. I know they will be listed as disputed, but I understand that they will be still listed, right?

[pryan67]

I sent out the letter for disputing it as not mine.  I finally got an address, but I had to call.  I could only get a number to call.  When they asked to call me back, I told them to contact me only by mail.  I just sent the dispute letter for the march 99 one out and another one.

 

I have to send a letter to the credit bureaus now.

 

 

A question, while under dispute, will the accounts be removed from my report.  I know they will be listed as disputed, but I understand that they will be still listed, right?

<{POST_SNAPBACK}>

 

 

nope...they will NOT be deleted while disputing

[bacj]

I did not think that they would be taken off. I really hate fighting this stuff. They are just mean!