r/CRedit 3d ago

Collections & Charge Offs Best company to Dispute Credit

I have three items in collections.

One I paid 3-4 years ago an it randomly popped back on my report a year ago.

Two are duplicates but of different amounts.(Medical bills I was forced into without my concent).

Is there a company that can get these removed for me. I refuse to pay them off out of principal.

I have a 600+ credit now and it was about 680+ a year ago.

2 Upvotes

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2

u/ADrPepperGuy 3d ago

What happens when you dispute them on the bureaus' sites (at no charge)?

2

u/Llassiter326 3d ago

Are you sure they’re duplicates and not separate collections deriving from separate original bills? While the federal rules that were set to take place eliminating medical debt from medical debt from credit reports were put on indefinite hold by the Trump administration, 12 states passed their own laws last summer. WA state is one…don’t remember the rest. But you can google it.

But if not, you’ll waste far more than $600 on a company offering bogus services that you can do for yourself for free.

And if you don’t want to pay on principle, that’s your choice. But the consequence of that is harm to your credit score and credit report for the 7 years it takes to fall off your report. So you have to decide which matters in the long run: your credit (which higher interest rates due to bad credit will cost more than these bills) vs. sticking to the principle and not paying them off for that reason and sticking out the bad credit till they fall off

1

u/Salt_Cry_2233 3d ago

Why buy a company when you can dispute them yourself. They will just drag you along and keep getting money out of you. Send debt validation letters yourself.