because I cannot pay a dental bill that was charged to me in the amount $12,000 yes, that's the amount. I found out it was fraud, and I was charged $4000 a day I was NOT even present in the office. There are other things as well and I have documentation. As a result of not paying, my credit is shot because of this unscrupulous dentist purposely ruining my credit score and rating.
HOW DO I CLEAN UP MY CREDIT?