Most Common Credit Score FAQs

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?

How can I remove late payments from my credit report?

Can a Goodwill Letter help improve credit scores for multiple late payments on a single account?

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

Can an item be removed from my credit report if I have already paid it, or does it only apply if there was a reporting error?