Advice needed on clearing bad credit reports

Well,

Giving appropriate documents of the pay off will be of help. I am sure lexington will help you with that. Now as far as taking an aggressive step is concerned report them on the rip-off report site. Did you check BTI and CollecTX on the BBB site? They might not be there, if so then getting them off your report would be easy enough, specially when your original creditor has confirmed the payment of all dues.

Laura what is the rip off reprot site? I have seen it mentioned here one other time and thought i would ask.

Use a google search.

BTI service shows up in my experian report as collection student loan, but this is the student loan I already paid with OFF OF STU FIN collection. Why would it just show up out of no where on my report? This was never on here until now April 2008. I confirmed with OFF OF STU FIN & the original creditor Nelnet Loan that I was cleared of all debts.

The only thing that matters is if the loan was ever in default. It is not important that it is a new entry, only that the information contained is accurate.

Collectx Inc shows up in my transunion report as collection. The strange thing about this is it was on my report under the name Paragon Way which was deleted 2 months ago after a year disputing this unknown item on my report, my transunion score was at 668 until it reappeared as Collectx Inc and now my score is 618.

The CA believes it is collecting a legitimate debt, so they can report until you force their hand.

In addition to all this madness, when reviewing my 3 in1 credit report I notice in the additional information field that experian has a comment stating XPN ADDITIONAL SSN: ***-**-*** (it show the last 4 digits) but is clearly not mine.

I do not believe that your credit repair service should have too much trouble fixing this one.

I'm glad to hear that Lexington Law helped you. I had their services, for a while. Paid them every month, like clock work. However..........NOTHING came off my credit. I even found out there were some SOL debts ( CA's) that they never conatcted at all.

Hi CLM,

Any more update regarding the issue?

I read somewhere that Lexington Law helps get NCO accounts off your credit. I don't know if that's true or not. I din't have the BEST experience with LL. Can anyone give me any advice on helping me get NCO off my credit? I DID try to 'dispute' items, that were 'expired'. However...that din't help.

They are definitely frauds. They have been sued by the FTC earlier since then they have claimed to be a factoring company. Basically they used to reage debt accounts to earn money.
This is a pleasant read.
http://www.ftc.gov/opa/2004/05/ncogroup.htm

I am paying NCO right now, the people seem nice but and the account is owed. They didn't age it etc... Of course things can change at anytime. NCO i would like to update my CR's with new payments made. They haven't done nothing since 05 but report it, not report the 4 payments received in 2 months this year. Laura going to check out NCO just to see what i am dealing with

good Lord, My account was in Pa. in that time frame. And now I am faithfully paying them. doesn't that suck

NCO CONTINUES to contact about a few debts, i had with them. However..........the SOL has expired and the debts occured more than 8-10 years ago.

Hi Angel
You need to have a credit score of 720 and above if you want to get a good interest rate on mortgage. Can you tell me your credit score so that I can help you out in the forum? Now since you pay off the credit card debts on time and have no negative items like collections and bankruptcy in your credit report, I think that you should have a good credit score. However, you should not apply for a mortgage loan unless your score is above 700.