text: To answer this question requires alot more information.\n\nIt requires educating yourself in the laws of fair credit acts, as well as collection agency policies.\n\nIt will take alot of work, and time. \n\nHere is where to start. Yeah, I know , its not an easy answer and just do this "one" thing.\n\nwww.ezboard.com\n\nsearch for credit repair forums..all the info is there- FREE! \n\nYou can register into ezboard and ask questions. I know alot of those people on the credit boards, and would recomend them to anyone.\n\nGood Luck !