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Credit counseling agencies are usually nonprofit organizations, and you can find them through an internet search. To get started, you can try the Financial Counseling Association of America , or by phone at (800) 450-1794, or the National Foundation for Credit Counseling , or by phone at (800) 388-2227.

How To File a Dispute To Remove a Discharged Debt From Your Credit Report Review your credit report to locate the discharged debt. Investigate the entry to confirm it is inaccurate. Choose a dispute method (online, phone or mail) if the information is not accurate. File your dispute via the chosen method.

Credit advisory experts will identify the reasons behind your low credit score and will then prepare a plan of action to improve it. They will advise consumers to focus on best credit score improving practices like maintaining healthy credit report, decent credit utilization ratio, timely bill payments, etc.

As we mentioned, you can attempt to remove closed accounts from your credit report by disputing inaccurate information with the credit bureaus, writing a formal ?goodwill letter? to request removal or simply waiting until the account is removed after a period of time.

Relief through debt management plans A debt management plan allows you to pay your unsecured debts ? typically credit cards ? in full, but often at a reduced interest rate or with fees waived. You make a single payment each month to a credit counseling agency, which distributes it among your creditors.

If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay.