Dispute letter to credit bureau?
I am 20 years old, and pulled my credit report about 3 months ago. I found three collection accounts on my credit report.
I first disputed the accounts with the credit bureaus, who all verified the accounts. These accounts are not mine, I know they are not mine, for a business in a state I have never been to.
My next step was to send the collection agencies a certified letter requesting validation of debt, that was over 2 months ago, no response from any of them.
I was doing research on Y/A and found out that now I should dispute the accounts with the credit bureaus again and send certified mail with copies of validate letters, that they failed to answer OR I should contact the credit bureaus for something called Method of Validation.
My question is can anyone help me with a sample letter or tell me how to word a letter to the credit bureaus saying they should delete the accounts because the collectors did not validate. I am not good at writing letters, I feel inadequate.
Also should I list all three accounts on one letter to each bureau?
Steve
Charlie
This has been my experience, take from it what you need.
When I’ve had something on my credit report that should not have been there I write the credit bureau with proof that I’m me and tell them that account does not belong to me, that I don’t know where it came from, I don’t know if someone is using my name or if it just got mixed with my account in error or what and I ask them to “investigate” it. It takes them a while and they investigate, they tell me who turned in that item to them or where they copied it from (usually it’s an error on their part as somebody missed a line when reading it off of some court report in the newspaper). Anyway they provide the name and address of the submitter and the purpose of the loan or bill. If they don’t provide a name you can have the library look it up but you “must” direct your letter to someone specifically. Then I write a letter to that place and send it certified mail return receipt and tell them I have no idea why they put that on my account because it doesn’t belong to me, and that I don’t know where or how someone picked up the incorrect information and that they NEED TO provide proof that I owe it. Some time passes and they send the information. Clearly you can read whether it belongs to you or not, whether you have a clue as to who might have used your account, or whatever. Now take the data sent to you and re-write the credit bureau and reject that bill and ask the credit reporting agency to remove it and send you an updated copy of your credit report. Then wait to see what they do. usually they remove it. So you’re fine for a while. But then in a few months send them $15 (or whatever their new fee is) and ask for an updated record. If it’s still on there or on there again you need to re-rebut that. You don’t have to be good at letter writing, just state the facts, even state exactly what I wrote.
I would suggest you write those on individual letters but you can put them all in the same envelope an envelope for each of the credit reports.
Paul
Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – freecreditreport.sinfree.net