Trying to fix my own credit but..?

Question

i'm at a standstill. I wrote a dispute letter to the collection agency asking them to show proof of mydebt and I got a letter back saying they did not have enough information and returned the debt to the original creditor. The original creditor is requesting I call them. I have no inetention of paying this debt and I'm afraid if i call them they will just try to run circles around me. Where should I go from here? should I write a disupte letter directly to the original creditor and request all correspondence be done through mail? If I refuse to actually call them can they deny me proof of my debt?

Answer 1

Dispute the item with the credit bureau instead of the creditor.


Here is a free online credit repair ebook and 20 free credit repair letters you can use:

http://www.expert-credit-advice.com/free_credit_repair.htm

The website offers the service but you should try to repair your credit yourself. Its a learning experience.

Answer 2

If you have no intention of paying the debt, I am not sure why you would have wasted the time to contact the collection agency. If you make a written request for proof of a debt, they have 30 days, by law, to provide that proof. I would use the mail, since you have written proof of what was said and by whom. The collection agency could be playing games with you. They may just be trying to buy more time. If you are trying to get it off of your credit report, you may want to go through the reporting agency. By going through one of the credit reporting agencies you will have proof of what was done and when. If the creditor fails to provide written documentation with the 30 days, the agency must take it off of your report. That doesn't mean that it can't come back up at a later date. Bad debts can stay on your report for 7 years from the last activity.

Answer 3

Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money.

I believe this rule applies equally regardless of whether you're dealing with a collection agency representing another company or directly with the original creditor.

Answer 4

Leave it alone.

The debt was returned to the creditor. You do not have to contact them. If you do, like you said, they will run circles around you and try to keep it on your credit report.

Answer 5

First get a account balance from the companies itself. When contacting Credit Agency you have to send a invoice that was last received by the company and canceled check showing payment.
You can yahoo message me if you need more advice. ktbrown10142004