Sohail Wants to Pay Off Old Debts to Improve His Credit


Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.

“Dear Steve,

I have debts and collection agencies had been contacting me about them, but not anymore. I want to pay off all my debts and make an excellent credit. I want help in (1) to find out how much I owe and who? (2) I want to pay you very fast and you deal with my creditors.

How can I get your help to pay off all my debts and have a clean excellent credit very soon.



Dear Sohail,

It is very easy to find out who you owe, and while there is no guaranteed way to find everyone, if they don’t report to a credit bureau, this is the best way, order a copy of your consolidated credit report.

I am a huge fan of the consolidated credit report and this is the report that I use to check my credit.

The consolidated credit report will show you information being reported about you to the three major credit bureaus. Each report can contain some similar but some different items so it is critical to get a consolidated report.

I favor ordering this report since you can order it online and download it right away, it is combined in a way that makes it very easy to read and spot who is reporting what about you, and it has a nice section with contact information to reach those creditors you still owe.

The credit report will show you outstanding debts but it is important that if it shows a debt by a collection agency, that you instead contact the original creditor, and not the collection company, to find out where you can make payment. Just because it was with the collection company reported on the credit report, that does not mean it is still with that collection company.

By paying your old and lingering debts off and then obtaining new credit that you pay on time, it will go a long way to helping to rebuild your credit as fast as possible.

Follow Me
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
Steve Rhode
Follow Me
See also  A Day In the Life of A Debt Collector