A collection agency sent me a letter a week ago for a medical debt from 2003. Checking back in my records, the date of service for the debt in question was never billed to me or my insurance company. Since I have the entire billing record for that year from the hospital, I was able to verify that the charges and service dates are incorrect. I wrote a letter (Certified with return receipt) to them showing that for the account they have in question, there was never any services performed on that date. However, just today I looked at my credit report and in July the collection agency placed a record on my credit report.
The debt was never validated with me (I just got the letter last week and I just responded, so I am well within the 30 days), why would they ding my credit report over 2 months ago? Should I also dispute the entry with each of the reporting agencies (in writing) proving that the collection is invalid? I
2007-09-13 06:18:26 · 6 answers · asked by Eric S 1 in Business & Finance ➔ Credit
Write the credit reporting agencies and dispute the claim.
Have the agency prove the debt.
In California, any unsecured debt over 4 years old does not have to be paid. There are exceptions but I do not think this is one.
2007-09-13 08:20:05 · answer #1 · answered by ralph 5 · 0⤊ 0⤋
Dispute it with the credit reporting agencies, by law if they can't validate the accuracy they have to remove it from your credit file. They have 30 days, but usually they work quicker than that.
Dispute it online and check your report for free at annualcreditreport.com
2007-09-13 06:57:48 · answer #2 · answered by anikkie 2 · 0⤊ 0⤋
If you are certain that this is an error, I would consult an attorney specializing in credit repair or remediation. The longer this stays on your report, the harder it will be to remove and the more damaging it can be to you financial success.
2007-09-13 07:31:25 · answer #3 · answered by Jay P 7 · 0⤊ 0⤋
www.creditinfocenter.com
First send letter to Credit Reporting Agencies to Verify
and enclose what you sent to the creditor, then
send then re-send to Creditor, marking CC (List the
Credit Reporting Agencies) and that they are in
Violation of the FCRA and for every violation it is
a 1000.00 fine (in which you could sue both the
credit reporting agency and the creditor)
www.creditinfocenter.com
2007-09-13 08:59:15 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Hi,
I used "Credit Solution" to settle my debt. They managed to reduce my debt up to 58%.It's legitimate.I came accross this company on NBC News Special Edition.Check it out here:
http://memurl.com/kitalo
2007-09-14 09:02:20 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Hmm, better consult a lawyer, especially since this can damage your credit.
2007-09-13 06:31:14 · answer #6 · answered by iittghy? 4 · 0⤊ 0⤋