Credit repair

My fiancee got contacted recently by midland for debts he believes he was previously garnished for but didn't keep records of,these were from over 5 yrs ago.how can he get copies of proof and does the company like the original company have records if its been paid off?and what are the laws since we live in Nevada? These debts are from Washington and his old.employer which he worked for the last none yrs is saying they don't have to send him his garnishment records is that true?

I sent out validation letters but not certified mail. Do I need to re-do this and send them cerified mail. A lot of them are PO Box which post office will not send to due to someone needing to sign for the letter. It's been over the 30 days and I haven't heard back from 3 of them. Now I'am ready to send the follow up letter. Do I need to send that certified mail?
Thanks

Recently I pulled my credit report for all 3 bureaus and one of the accounts that I had with Omni World Toyota / leasing car ended in July 2009. It shows that I was late 2 months.
The problem is that they are still reporting it to the credit bureaus and the lease has been finished so should I send a good will letter to them so they can remove those 2 months that were affected or what should I do? Please help!!!

Thank you

I applied for a credit card. Does the address I entered appear on my credit report? If I had a hard inquiry would the mailing address I gave be on the report. I never received bills at the address.

I just got a call from a collections agency saying I had a debt for a little less than $200 from some medical equipment from back in 2007. This is the first time I hear about it and when I tried to ask the collector for more information, she wouldn't answer, she just kept asking how I was planning to pay. The usual stuff one hears from collectors.

I had insurance back then and as far as I know I had paid all my medical bills up to now. How long will this stay on collections and/or credit report and why would I hear about this until now?

10 years ago I got a loan with the bank and never paid the loan off. Its off my credit now they sent me to collections but never came and got the car. But there name is still on the tittle with me.No one had called about it or tried to contact me about this. I still have car and its off my credit report. Is there anything I can do to get them off. I dont want the car just want to scrap it out. Is there a certain time were its free and clear? Is a 1996 ? Please help me answer this

I received a letter from a debt collection agency. It was from a medical bill I could not pay and was expecting this. I do have the money to pay for it now. I need help in how to handle this so it is not reported to the credit bureaus.

First, is it typical for the debt to be reported to the credit bureaus as soon as it goes into collection?

And what should I ask for from the collection agency? Should I request it in writing or call them?

Thanks!

Appointment with lawyer has been set to prepare response to summon. I'm going to ask lawyer to use affirmative defenses since DV letter was not answered. I hope this will have some weight in court.

What would happen if CA come up with DV documents at the hearing? Would this throw out their responsibility of need to validate debt in reasonable amount of time per Fair Credit Act? After all, they did not respond to my DV letter, not once but twice. And waited all these time to accumulate interest so that they can collect more money for the interests. This is just wrong!

We recently short sold our home, which was an almost 2 year process. During that time, the mortgage company placed several hard inquiries on our file. Does anyone have any experience with this and whether we can get them removed.

I met a friend after a long period of time. We had a great time. We talked about so many things – from fashion, food to credit score. I told him that my credit score is 664. His credit score is 700. He told that his credit score dropped after missing one payment. Is he telling the truth? Is he bluffing?