Credit repair

How do I get hard inquiries removed that are still appearing on my report, but are over two years old?

I have a charged off on my credit report (credit card) it is almost going to be more than 10 years in Feb. Is it a good idea to pay it off or can it be removed?

Has anyone in New York closed down their account and was able to deal with these illegal lenders?

I am needing advice on how to handle an auto repo. My vehicle was repossessed in June 2008 and I thought it was over - I had paid more than the financed amount. Recently - a collection showed up on my credit report for $10K from Portfolio Recovery Associates. I disputed the account and the CA sent me a packet with my signed contract, letters, etc from Capital One Auto.

Here's a breakdown of the financials that include principal, interest, trade in, down payment, etc

Medical bill (from Ambulance) that I nor my insurance company received was sent to collections: NCO FIN/35. It was opened October 2012.

The address on one credit bureau report (Experian) lists a Delaware address and then another another credit report (Equifax) it gives a Philadelphia address.

So who do I send my dispute to? The CA or to each of the credit bureau companies?

Also, should I do an online dispute as well?

I have lots of medical collections on my Credit Report and would like to try to get some of these removed. Some of these accounts are old and some new. What is this pre-letter that I am supposed to send? Am I supposed to send this letter to CRA? Does this always work? I'm sorry, I am new, and have no idea about this.

I have fallen into the payday loan trap with Cash net USA and Check n go over the last two years. I have extended my loans time and time again, then once paid off eventually just taking another loan out. Is it possible that if I contact both companies and explained that I am in a rut that they will just write my account as paid in full? I have paid them thousands of dollars in interest. I live in Ohio and both companies are legal. I just want it all to go away and be out of the trap! Help!!

I have sent an ach revoke letter, closed acct and opened new one, told Western Sky/Cash Call I am only paying principal and nothing else. It's like they are ignoring me, they just sent me a notice that I am late on my last payment and I am accruing interest daily, I don’t know what to do? They won't respond, I also told them I am not part of there tribe nor do I reside on there land, so there laws don't abide to me and that I'd only pay principal and nothing else, I have sent it 2 times to them and have gotten nothing, no calls or emails, just that late notice?? What should I do?

I am getting calls from M Callahana and Associates. They say they are attorneys for a payday loan. When I ask for their address they give me a run around and then give me a P.O. Box number. Who are these people?

Are Cutter group and CWB services licensed in CA? Also they have Alliance Solutions telling me I am going to be served at work. They have been calling all my family saying they are the local county courts.