Most Common Credit Score FAQs

What should I do if I send a letter to the address listed on my credit report and it is returned?

Do closed accounts from the past negatively impact my credit score? Should I focus on removing them?

How can I remove late payments from my credit report?

Is it advisable to avoid speaking with collection agents on the phone and instead send a written letter to the agency’s mailing address to resolve the issue and stop further contact?

Is a debt legally valid without a signature?