There's a tuition balance on my credit and I never attended those classes. So I contacted the people who have it in collections and they said they're still waiting on the school to send them some itemized records, thus they don't have proof. So what can I do about this, because they keep giving me the run around?
2006-08-15 04:40:11 · 7 answers · asked by anthonyhill82 1 in Business & Finance ➔ Credit
First, contact the Bursar's Office of the school and ask them to send you whatever information they have about this debt.
Did you withdrawl? Formally? If you didn't, you need to.
Once you have straightened the mess out with the school, ask for confirmation that you account is in good standing. Send a copy of that to the collection agency.
Finally, check with all three major credit reporting agencies to make sure that there is no record of this collection on your credit report. If there is, simply send them all a copy of the same letter that you sent to the collection agency.
Hope this helps!
2006-08-15 04:51:14 · answer #1 · answered by colleen k 2 · 0⤊ 0⤋
Actually all that you have to do it submit a letter to the collection company. I would send it certified with return receipt for proof of when they received it. They then have 30 days to respond to you, or they HAVE to remove this from your credit. This is in the Fair Credit Reporting Act rules. Now further down the road if they can prove this is yours then they can add it back again.
2006-08-15 12:11:12 · answer #2 · answered by stephnmarvin_6911 2 · 0⤊ 0⤋
Follow the advice re: Fair Credit Reporting Act and then dispute the charge with the credit reporting agencies. Also, send the collections agency a letter indicating the discrepancies. Then report the collections agency to the FTC.
2006-08-15 13:17:01 · answer #3 · answered by SAL 3 · 0⤊ 0⤋
Send them a certified return receipt requested letter. Address it to the a person in there legal department or supervisor (ask them who to send legal document to and what address). Tell them in the letter that you believe this debt does not belong to you and you are in dispute of the balance in full. This will start the ball rolling. They then have 30 days to prove the debt belongs to you, or you don't have to pay all or part of the debt that it in dispute and it can not be used adversely to affect your credit. For more information, look up the below site.
2006-08-16 16:53:20 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Dispute the claim...it is up to the collector to verify the claim. Also, file your dispute in November...December is a busy time of the year.
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2006-08-15 12:04:54 · answer #5 · answered by Anonymous · 0⤊ 0⤋
demand the credit bureaus to verify debt from company who says you owe. Think the company has thirty days. easy to do by Internet. go to Trans union and the other two.
2006-08-15 12:59:59 · answer #6 · answered by rallman@sbcglobal.net 5 · 0⤊ 0⤋
File a dispute claim with the credit bureau that is reporting it....if the creditor can't prove it...they will remove it.
2006-08-19 09:16:15 · answer #7 · answered by rainysnana 4 · 0⤊ 0⤋