If anybody could help me, I would appreciate it greatly. I have searched your website for hours for answers to my credit report problems but am unable to find a definite answer.

I have 3 collection accounts on my credit report. 2 of them have changed dates to mess with my score.

The first collection I have is a student loan I opened in 2001. I never made a payment due to unemployment and after a year or so another company (collection) transfered it and now that makes a 2nd collection listed. I never agreed to pay the 2nd collection company, but they are listing my account as 120 days late every month for years it seems. I'm thinking this is lowering my score since it is in the 575 range despite never missing a payment on anything in 4 years.

The 3rd collection is a medical bill that I incurred 6 years ago and was due to come off my account next year, however it is suddenly reading an open date of "2005", thus trying to hang on for another 7 years?

I am trying to find an easy answer (because I've already dozen of pages on this site) as to what form to send or what to do when collection accounts out right lie about status and dates to try and damage your credit.

Also, if my student loan was opened in 2001 and I never paid on it, will it come off in 2008 or when they say the last activity was (which is probably another lie, because there was none)?

Thank you in advance.

Your student loan question needs to posted in the Student loan forum.
http://creditboards.com/forums/index.php?showforum=19

Your medical collection can be handled in one or two ways. You can dispute as obsolete or with the Pre hipaa letter. Don't be concerned with the open date being reported by the CA. If Whychat responds with a different plan follow those directions.

http://whychat.5u.com/hipltr.html
Opt out and delete old addy's before sending. Do not have any ongoing disputes or start any while disputing this.
PRE HIPAA LETTER MEDICAL DISPUTE

You dispute medical accounts this way:

Dear CRA,
My name is xxxxx xxxxxx , my SS # is xxx xx xxxx.
I am sending this dispute certified mail # xxxx to make sure you receive it.
I have no knowledge or records of account # xxxxx on my report # xxxxx.
Please advise me as to the name and address of the medical provider, the date and type of service,and to whom the service was provided.
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies.
Very truly yours,

xxxxxx
Make sure you HAND ADDRESS the envelope, use personalized stationery and purple or teal font, ( preferably italic).

DO NOT send it RR -WAIT FOR THE FULL RESPONSE FROM THE CRA BEFORE CONTINUING WITH THE HIPAA LETTER PROCESS
Why Chat's Credit Confusion Home

Thank you for your help. Unfortunately I called up Equifax earlier and disputed the open date before I read your reply but I'm hoping they'll remove it anyway because the company is reaging. If they don't remove it, I will try what you suggested but I'm guessing I should probably wait 30 days now before I do. Thanx!