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Sample copy of dispute letter – Remove credit report errors

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AMG Consulting Group Inc.



Joined: 19 Oct 2008
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Posts: 20
Location: Los Angeles. CA


767 Magic Points

Subject: 7 years... again?
 
Posted on Wed Mar 31, 2010 7:04 am  

Be advised, I have seen several cases where clients wait and wait thinking the account will fall off and it DOES! However! The smart creditor will then submit documents to get a JUDGMENT against you. This is happening more and more than ever before. Now that you have a judgment, the public record will remain for up to 10 years and they have more recourse. So not always is it smart to just wait and hope everything will clear up.
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vfsalinas05



Joined: 24 Jun 2010
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Posts: 61



999 Magic Points

Subject: reading credit report..
 
Posted on Fri Jun 25, 2010 12:54 am  

it sounds trivial but i am having a hard time reading my credit report...i just realized that a negative listing is listed twice, the balance is wrong and they payment amount is wrong..how much is this affecting my credit? this is for a student loan that i defaulted on and i am now in the process of taking it out of default throught a loan rehabilitation program, once i pay it off it will come off my credit report...
vfsalinas05



Joined: 24 Jun 2010
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Posts: 61



999 Magic Points

Subject: info on credit bureau letter?
 
Posted on Fri Jun 25, 2010 1:46 am  

by reading the sample letters on disputing debts and listings i see that of course i should include my name and adress, is there anything else i should include in my letter? ssn #? DOB ?
Aaron

Aaron

Joined: 08 Feb 2010
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48565 Magic Points

Subject: reply
 
Posted on Thu Jul 01, 2010 12:24 pm  

Hi,

I don't think that you need not give your social security number in the dispute letter to the credit bureaus as such. If they ask for it you may have to provide. The date of birth is not required too. You will have to provide the account name and number.

Thanks,

Aaron
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vfsalinas05



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999 Magic Points

Subject: sending evidence with letters
 
Posted on Sat Jul 03, 2010 12:51 am  

I read somewhere that it wouldn't be a good idea to send evidence such as cancelled checks or proof of payments to the credit bureaus. I think it said something to the effect that we should not do the work for them and not make it easier for them to prove whatever the issue is...
Barbara_Elena
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Subject: Dispute letter
 
Posted on Sat Jul 10, 2010 5:26 am  

Hi vfsalinas05,

Yes, but while writing your dispute letter, you must explain in the letter why you are writing to the credit reporting bureaus.

You must explain to the credit bureaus, that you are writing to them because you dispute certain information on your credit report, you want an investigation on the inaccurate information and want the inaccurate information removed.
Nohope
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Subject: Clearing credit record
 
Posted on Tue Jul 20, 2010 3:36 pm  

I have manage to pay all bad debts, but some still reflects on my record. The answers I received is that it will reflect for 2 years. What I can not understand why some is removed before 2 years. Who decide to remove it from my record.
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: clearing credit record
 
Posted on Mon Jul 26, 2010 12:33 pm  

Hi Nohope,

Generally items stay on your credit report for 7 years. The items which feel off your credit report must have crossed the 7 years bar. The credit bureaus compile your credit report, and they are the one who add and remove items from your report as reported by the creditors, and collection agencies.

Thanks,

Aaron
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JPerry



Joined: 24 Jul 2010
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599 Magic Points

 
Posted on Tue Jul 27, 2010 1:52 am  

Maybe I'll get a good answer sooner than later if I keep posting this question. I use Lexington Law Firm to repair my credit and they have sent debt validation letters on my behalf the creditors have not sent me any response in over 60 days and Lexington only knows what I tell them. So I called today and told them that I have not received any response from the creditors. They then tell me to send my updated reports so they can take a stronger approach. Now if the creditors don't respond isn't the only thing thing have to do send a dispute to the cb's telling them the collection agency hasn't responded and request the item be removed? I can send the letters myself but I'm afraid that if I end up having to pay the debts on the older accounts it will reset the SOL. Also I afraid if I don't pay it will just be sold and pop up again later causing more problems. HELP somebody please give me some good advice should I keep the firm or do it myself?
Ruthie



Joined: 15 Oct 2009
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Posts: 66



1472 Magic Points

Subject: Credit report listigs and validations
 
Posted on Tue Jul 27, 2010 4:25 am  

I have asked for both by certified mail and phone, and have gotten no response. I am wondering if maybe these credit reporting agencies are so connected with these bad collection agencies that they falsify records. I have several credit reports in my hand from the last year and they keep changing the date of first delinquency to make there records valid. I have been fighting two agencies both of which have reports on file that are over 7 years old. I had cancer back in 2003 and had to leave my homestate. I had ins. on all my accts and they were paid. They are over 7 years old, but the collection agencies keep reporting otherwise. Fornutely for me my next step is the Atty. Generals office, and then I will sue both these companies and the credit reporting agencies for refusal to validate my reports. I will send them one more letter in conjunction with the file I am sending to the Atty. Generals office. My question is , is there a faster way? I cannot get a home because of the two who are reporting chargeoffs on my credit report?? Whats next??? Thanks, Ruthie
JPerry



Joined: 24 Jul 2010
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599 Magic Points

 
Posted on Tue Jul 27, 2010 4:37 am  

Let me get this right. If I know the debt is mine and unpaid--then I should just pay it off old or not because it's a chance that it could be sold and reported again or should I just send PFD letters to attempt getting a removal. What I get from this forum is if I know the debt is owed I should just pay it right?
Ruthie



Joined: 15 Oct 2009
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Posts: 66



1472 Magic Points

Subject: Credit reporting agencies
 
Posted on Tue Jul 27, 2010 4:42 am  

Who can I contact about the horrible way our three major credit reporting agencies are treating people??I have snet all the proof they need to remove these inaccuracies, but they still decide to go with the collection agencies. No one is willing to validate these debts. What kind of an Attorney do I contact to sue these people? I have asked for validation, removal and the exact way they validate these disputes. I have so far recieved nothing. Now, a company called Asset Management , llc is calling my sons home and telling him about my debts. Can they legally do this?? Thanks Ruthie
Aaron

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Subject: reply
 
Posted on Tue Jul 27, 2010 12:04 pm  

Hi Jperry:

I have answered to your query at http://www.creditmagic.org/letters/credit-inquiry-7.html#49677 . As for
Quote:
Let me get this right. If I know the debt is mine and unpaid--then I should just pay it off old or not because it's a chance that it could be sold and reported again or should I just send PFD letters to attempt getting a removal. What I get from this forum is if I know the debt is owed I should just pay it right?
I am a bit confused. Can you please explain a bit more?

Ruthie:

Quote:
they keep changing the date of first delinquency to make there records valid.
Can I know if this they is a collection agnecy? The collection agency can't change the date of delinquency as such. This is illegal reaging of debt, and you should complain about this to the Federal Trade Commission. You should also file disputes with the credit bureaus.

to remove the wrong listings follow the 1-2 punch. In this you are required to send debt validation letters to the collection agencies through certified mail, requesting a return receipt. After you get back the return receipt, you are required to immediately send dispute letters to the credit bureaus.

As a result the collection agencies are put in a time crunch. The credit bureaus notify the collection agencies to verify the debt within 30 days of your filing dispute with them. Now, the collection agency will have to validate the debt with you before they can verify it with the credit bureaus. If they fail to verify the debt within 30 days, the item will get removed from your credit report by the credit bureaus.

Thanks,

Aaron
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JPerry



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599 Magic Points

 
Posted on Tue Jul 27, 2010 12:50 pm  

Aaron, what I am saying is I have been going through Lexington Law Firm as I stated before and while I did get a few items removed back in Feb. nothing has been removed as of late. I called Lexington yesterday and they told me that I have to send them updated credit reports that I receive from the bureaus, but I never do. Now when I went to the EQ website to dispute some hard pulls I seen that EQ has been doing a lot of soft pulls I guess based on the dispute letters being sent out on my behalf. At this point I have decided to save my $80 per month and do the credit repair myself. What the point was is if I do try doing it myself with first sending PFD letters for accounts I know that's mine and DV letters for old accounts that I know that's mine. If I end up having to pay because the OC or CA don't agree to a PFD will the 7 years reset because I pay the debt off? Most of the negative reporting on my credit report is from a CA. So my thought was even if most are due to fall off in 3-5 years. I didn't want to take the chance of not paying them and them being sold to another CA and posted for another 7 years or sued. What should I do not pay them and let them fall off or pay them to avoid further problems. My goal is to build a 700+ credit score and I'm around 610 now with all current positive credit. I just felt getting the negative accounts taken care of would help my case instead of hoping they fall off and stay of being unpaid. I read plenty post but yet remain confused because so much different advice is being given.
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: reply
 
Posted on Wed Jul 28, 2010 8:49 am  

Hi Jperry,

Quote:
If I end up having to pay because the OC or CA don't agree to a PFD will the 7 years reset because I pay the debt off?
Yes, the 7 year period will restart. However, once you pay off, the account will be reported as "Paid". Even if the 7 year period restarts, it is better to pay off the debts.

Thanks,

Aaron
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