I hear of a lot of people that get frustrated with collection agencies over accounts. No matter what the victim seems to do, the collection agency does nothing.

As long as a collection agency can keep a listing on your credit file, they feel they have a chance of collecting it. But just because the collection agency is the one reporting it doesn't mean that is who must take it off.

While you are waiting on the collection agency, there are other ways to attack that you can be working on at the same time.

Look at credit repair as a triangle. One side is the credit reporting agency, one is the original creditor, and the third is the collection agency. You and the account are inside the triangle fighting for your financial freedom.

If only one sides breaks down, you are still out of the triangle and the account gets deleted. Any of these entities (sides) have the ability to remove the item you are fighting. They should all be given the opportunity to do so for you. Push each of them as far as you can in effort to get them to delete.

In my own experience, I often didn't know who deleted the items because I was attacking the account on all three fronts. I do know that collection agencies were called off by the original creditors twice because I received letters from them.

The rest, who knows. But somebody deleted them and they have not been seen since.

Using the triangle method is the fastest way to get your credit fixed. Why wait six months and have to file suit against a collection agency when the original creditor may have made them delete the item for you?