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heres a quick and easy way to have your collections or chart jobs removed from your credit report step one remove old personal information from your credit report that includes your name addresses phone numbers jobs anything thats old on your credit report youre going to remove by disputing with all three bureaus number two freeze all three credit reports TransUnion Equifax and Experian step three file an FTC Report with all the negative accounts in question I put the link up there step four follow cfpb complaint with each Bureau using 15 USC one six eight one a two stating you did not give Britain permission to have these accounts furnished on your credit report and youre also going to attach the FTC form that you created in step three and watch those things fall off