I received my credit report yesterday and found XXXX debts that I owe the XXXX I made payment arrangements with because I do owe it..The other XXXX there are issues they have changed dates and it will not be off my credit until XXXX ... The last payment was made XXXX/XXXX/XXXX. According to their dates it was placed for collection XXXX/XXXX/XXXX ... The company is XXXX I am trying to get my credit score up I am XXXX XXXX and do n't need these people ruining my chance to rent or buy a home ... What can I do..They tell me the service was in XXXX but the billing address was my EX-mother in laws in XXXX ... I assume this was my ex husbands doing as I had not a clue this was in my name..My ex husband is on the run from the law in XXXX so I ca n't really ask him ... .I live In XXXX now and do not know what to do with this ... .Please help