Hello all, this is my first post. I'm just now, finally, starting to care about my credit score and am wanting to improve it from Dante's 500's level of Hell.
Here's me:
18 accounts
7 with balances
1 collection
I've read about the PFD letter and I'd like to use it for the collection I have against me, but I don't know who to contact?! There isn't any contact information in the report. All it says is, agency "401yc06915" was hired to collect a debt of...I know who the original debt was owed to so I called them but they didn't know what collection agency it had hired. How do I find out who to contact?
The things that are hurting my score, other than the collection, is bad payment history so I've recently gotten current on all payments and plan to stay that way from here on out.
I'm new here, so please forgive me if I'm asking something that is elementary.
I'm hoping that within 12 months I can bump my score 521 to 620.
Thank you for any help!!
