If you are dealing with original creditors then you can try a goodwill letter asking them to remove paid negative accounts. (rebuildcreditscores.com)
Debt buyers purchase charged - off debts from original creditors at a fraction of the price and then attempt to collect the full amount of the debt. (consumerlawyer.mn)
The written notice should contain the amount of debt, name of original creditor and a notice that you have 30 days to dispute the validity of the debt and request verification. (rebuildcreditscores.com)