The best way to counter doubtful debts is to get a copy of your credit report, then dispute debts that you know you didn't create. A great website to go to is annualfreecreditreport.com. This site allows you to get your credit report for free once a year. A lot of companies will allow you to pay off what you owe them for way less than what the original amount was. Whether or not you know it,
. the creditors want a debt gone as much as you do.
