The safe way is to enter the credit card issuer information and under "additional parties" or "other notice," enter the collection agency info. The debt may have been sold to a collection agency, in which case the original creditor no longer owns the debt, but the new owner rarely notifies the debtor of the change, even though the law requires it.
Contact the credit reporting agency from where you got the report. They have the contact information and can provide that to you upon request.
To request a letter from a collection agency to remove negative information from your credit report, you can write a formal letter to the agency explaining your situation and requesting that they remove the negative information. Be sure to include any relevant documentation to support your case.
File a dispute with the credit reporting agency.
Yes, a collection agency can remove a collection from your credit report if they agree to delete it as part of a settlement or negotiation.
The fact of filing bankruptcy is already going to lower your credit score, and the point of bankruptcy, part of it anyway, is to resolve unpayable debt such as collection accounts. It is in your best interest to add the collection accounts to your bankruptcy, but if you consult your BK attorney, he is likely to advise you of this. The bankruptcy is the first next step in repairing your credit and improving your credit score.
No the collection will not be removed from the credit report. They will show it paid in full.
A collection agency does not "ruin" someone's credit. The person who defaults on their financial obligations is the one who is responsible for that. W/o certain information it is difficult for a debt to be collected or reported to CRA's. Agencies employ skip tracers who are very good at tracking down elusive debtors, so eventually they will track down the person.
There are several places you could go to get advice on bankruptcy. I would check with a nonprofit credit counseling agency first, then possibly a bankruptcy lawyer.
Debts included in the bankruptcy should be noted as such in the credit report. The bankruptcy will remain on the credit report for ten years.
No, a collection agency cannot remove debt from your credit report. Only the credit bureaus or the original creditor can remove the debt from your credit report.
Unless you have given a collection agency written permission to pull a full credit report they are in violation of credit laws.
They don't do anything. Failure to pay bills causes credit to be reported badly and your credit score to go down. All a collection agency does is go after you for the money.