Free Credit Score Calculator - www.moneyforums.co.uk

I am going to use the sample letter from this site to negotiate my debt with a ca and have the negative listing completely removed from my reports. On my credit report it shows the oc with a "charged off as bad debt" and also shows the ca with a listing of "collection account". Should I be dealing with the ca or oc? If I get the ca to agree to a settlement and delete the negative listing then what about the oc's original negative report? I want to wipe them both clean, any advice? Thank you.

I find this online credit score calculator very useful! It allows me to play around with the options to work out how to up my credit score when making applications. There are also a lot of tips on increasing credit scores.