Great Advice!
My wife has some credit issues in the states from her previous marriage.
When we get the collection notices, she sends them a letter asking for proof of the debt. Then reminds them, if they can't provide proof the collection must stop.
You would not believe how many things she has had removed.
Let's say you do owe the debt?
Send them letters contesting it and file regular disputes with all three credit bureaus.
Last, some debts won't easily fall off and end up proving to be valid. Sad to say you got to just wait them out, then contest them some more.
Okay, you have a collection letter, do you pay it? Answer - Do NOT pay them!
Why? Let's say you pay a bad, past due debt. The debt and it's rating will still stay on your credit report. It may say paid, But - It does not increase your credit score. Creditors don't look to see if it is paid, they look solely at the score.
Another thing, she had one debt in particular with Capital One. A credit collection agency offered her a deal to pay half and they will call it all paid. So we did, but the Capital One debt status NEVER changed. Only the collection agency one indicated paid.
What a rip off, a paid off debt should say paid. - So we contested stating we paid it off through the collection agency. No change in status. Now we have to wait for it to fall off too.
Hope this helps and Best of Luck!