I have three negative marks on my credit report. I am not sure if these is an old debt that for some reason has been “ re-actived†by unscrupulous bill collectors and turned into two after changing hands or someone used my personal information to open phone services . I do recall an outstanding bill of $180.00 with GE about 6 years ago.
It shows that I opened the accounts in 2005- and two were sold to one agency. Furthermore, one the account seems to be the same listed twice, except the total is off by few dollars.
I However since there is an additional social security that does not belong to me, I would like to know more about these debts. If someone has used my personal information to obtain services? Or are these debts linked to that additional social security number ?
What will be the most efficient way to take care of this problem. It is my understanding that sometimes the credit agencies when it comes to debt verification they just verify that name, and address and nothing more.
Is true?
Can I send a request for credit validation to the collection agency and a debt verification request to the credit bureaus?
I am not to clear on Debt verification vs. Debt confirmation.
I would start by disputing incorrect personal information (SS#, addresses, etc) with the CRA. When you get the reports back with the corrected information then submit a dispute regarding the duplicate tradelines. Once that has been completed, the ones that return as verified then send out a debt validation letter to the CA's; certified mail return receipt requested.
Credit reporting agencies verify; Collection agencies validate.
What state are you in? Typically phone service is covered under the UCC-sale of goods. Check the statute for that for your state.
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