By responding to a creditor, or even a debt collection company, that is validating the debt. They can then, restart the debt all over again. The best way to deal with an erroneous debt is by dealing with the credit reporting companies only. Dispute the debt with them and they will deal with the creditor. The key is follow-up. You HAVE to follow up with the credit reporting agencies 30 days after submitting your dispute if they have not responded to you. Also, the key is to send your disputes my certified mail. It can get costly but it sure is a lot cheaper than going to credit repair companies who still have you do all the work (for the most part) and charge you hundreds of dollars per month.
Wed Apr 15, 2015 4:21 am
why argue with them ask them for a conditional acceptance let them provide you the proof
Lupita Gonzalez Guest
Subject: Good Review
Wed Oct 03, 2018 10:29 pm
Thank you so much to the team at Hack West Credit Repair for helping me achieve my dream of becoming a first time home owner! Also, for the purchase of my new family car! Thank you for your time and dedication! Hack West was very thorough through the process and took care of all my questions! They made sure I got the best deal for my car and now I and my family get to enjoy it with a low payment! We are grateful to have gone through this process with them! I recommend HACKWESTatWRITEMEdotCOM / +1 (424) 307 2638 to everyone who needs help with their credit! Guys, IT IS WORTH IT!! Do it!!
Eric Hausey Guest
Subject: Good Review
Mon Oct 08, 2018 11:19 am
My utmost gratitude goes out to CREDIT WIZARD. Some months back, I have really been searching FOR a good credit expert to help me fix my bad report. He did not just increase my credit score to a high 700s from a low 450s, but also removed some negative items which included a late payment. He is really God’s sent to me. Here is his contact: THECREDITWIZARD at WRITEME dot COM / +1 972-534-5519
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.