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jacqueflood
Joined: 19 Nov 2009
jacqueflood's page
Posts: 1
33 Magic Points
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Subject: Disput Debt with Collector or Credit Bureau?
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Thu Nov 19, 2009 12:26 pm
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Hello,
If I am going to dispute a collection should I do it with the credit bureau as well as write a letter to the collector asking them to validate the debt? Or should I just dispute with one? And if one, which one is better to start with? OH, and BTW, I found out when I got my credit reports that this debt is showing as a public record filed with the court in my district! I live in Michigan. How should I proceed? Thank you very much. Any help with this is truely appreciated.
Smiles,
Jacki |
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Doc
Joined: 02 Dec 2008
Doc's page
Posts: 203
Location: McKinney, TX
954 Magic Points
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Thu Nov 19, 2009 12:55 pm
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Always BOTH!
_________________
-Doc Compton, Omega Credit Repair
I provide info for free, & all I ask is that you visit my site... I don't wanna sell you anything, I just wanna increase my traffic, and push my site up in the search engine rankings...
http://www.omegacreditrepair.com |
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debranewell2008
Joined: 10 Oct 2009
debranewell2008's page
Posts: 605
89 Magic Points
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Thu Nov 19, 2009 1:21 pm
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| yes doc is correct it is always best to dispute it with both the original creditor and the collection agency. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Thu Nov 19, 2009 4:39 pm
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jacqueflood , You should always dispute both. Also be sure to send dispute letters to all three credit bureaus. Another good thing to mention is to send the letters by certified mail,return receipt requested. This will show that you did in fact ask for validation if they pursue this debt in court, which may be what has already been done.
You say the debt is listed in the public records at the courthouse? Usually this is only done when a bankrupcy is filed or a creditor has brought forth a law suit. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: debt
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Sat Nov 21, 2009 1:53 am
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| OP,....you said it's on Public Record, at 'your' courthouse? Do you happen to know how long the 'record' has been there? Usually if some kind of lawsuit was reported to 'your' Courthouse, the Courts would have notified you right away. Also..you said the debt is on your CR..how long has it been on your CR? Would like to know so (possibly?) I can help. |
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