I have a collection on my credit report that I have disputed and have been told that it has been verified as mine. I have contacted the company and they don't answer my letters and say that the collection is too old for them to have in their computers, it is from 2005. What would be the next step to remove it off my credit report?
2007-10-09 08:04:24 · 5 answers · asked by Anonymous in Business & Finance ➔ Credit
Are you contacting the original creditor or the collection agency? If you've sent a letter to the collection agency and they haven't responded, send another dispute to the credit bureau with a copy of your letter to the collection agency. Indicate that it has been over 30 days (you have to give them 30 days) and they have failed to respond. The item should be removed.
2007-10-09 08:13:04 · answer #1 · answered by bdancer222 7 · 0⤊ 0⤋
I will relate a personal experience. I had a number of phone calls from a collection company after I had a bk in 1999. It was related to a doctor with the exact same name. At first I thought it had to do with my ex. Of course I was able to get hold of the name of the creditor, and called them up.
The conversation went something like this:
Company; You're Dr. Steve _________
me: No.
You live in Mill Valley,
No.
You used to live in Mill Valley,
Never.
You phone number was 415-388-____
Never.
Silence.
Where did you live before you moved to San Rafael.
San Francisco.
The company: I think that we have the wrong Steve G.
Me: You will call the collection agency and have them stop harassing me?
Of course.
Good, now I can call my attorney.
CLICK.
Of course, it may not be that easy, but as soon as you can get the company involved into the picture, I am sure that you can get this stupid thing removed.
Also asap, write a letter of explanation to the bureau with the report.
It appears that all the collection company did was to look up the other person's name in the phone book, and decided that I was the debtor.
Good luck.
2007-10-09 08:17:02 · answer #2 · answered by Steveo 5 · 0⤊ 0⤋
You need to get the collection company to send in a report to the reporting agency verifying that the collection is satisfied or erroneous. Then you need to watch your credit report like a hawk to make sure they take it off and it stays off.
2007-10-09 08:13:44 · answer #3 · answered by Anonymous · 0⤊ 0⤋
you are able to't have them bumped off. you are able to upload training in text fabric type to the credit document, yet i could cut back it something benign like "became into hospitalized for x weeks, did no longer have a POA to shelter issues jointly as incapicitated."
2016-10-08 21:58:38 · answer #4 · answered by ghil 4 · 0⤊ 0⤋
If it's really not yours and they refuse to validate the debt, I would consider taking them to small claims.
If it's yours, arrange for a pay-for-delete situation, where you pay them and they agree to remove from your reports.
2007-10-09 08:10:29 · answer #5 · answered by nkozyra 2 · 0⤊ 0⤋