No he can't. The only way to fight back is to contact the credit bureau that has this information on their report, (ie) equifax, experian, transunion, and dispute the report. The will have to verify that the credit mark is correct and true. Hang in there. You can beat em.
Yes, but that does not make the judgment uncollectable.
A credit report will tell you what exactly is on your credit. You may find credit cards or other lines of credit you never authorized. You may also find credit cards you thought you closed, but didn't. Since business will judge you based on what's on your credit report, it's important to make sure it's all accurate.
Never pay for a credit history report. It is now possible to obtain a free credit report from each of the three credit reporting agencies once a year. Be smart and request a free report from each agency every four months so that you can stay current year round. Also, if you ever apply for credit and are turned down, you may request a free credit report from the credit reporting agency the credit check was obtained from. Credit reporting agencies also offer reports during their free trial memberships. Simply cancel your membership before you are obligated to pay anything.
The credit bureaus are legally required to give you a copy of your credit report on request (there's a limit on how often you can ask for it, but if you've never asked for one you should be okay there).
No, it will show on your credit report as a paid collection/judgement and will fall off of your credit report in 7 years. After you pay the debt keep all receipts and check your credit report in about 60 days to make sure they reported it as paid. Many collection companies never report it paid.
{| |- | AnswerSome things like filing for a bankruptcy never come off easily from your credit report as such an incident is considered as you are not able to manage your finances and lenders later see this as a risk.|}
You present proof that the repossession never occured. You can dispute it with the credit reporting agency.
This hapenned to me in the past. I was registered with experian, I had no defaults on my credit report, however a loan company told me that I had a default on my credit report I then told them that I had checked my experian credit report and it was clean but they told me it was equifax where the bad report was logged on. I checked it and it was for a credit card I had never even heard of. Equifax investigated it and found out in a couple of days that I had nothing to do with it. This was in 2007 about when it was removed. its now 2011 I also found out recently that you can actually sue companies that put false information on your credit report.
Many companies specialize in providing credit report scoring. You may want to look into services that are offline, as you never know who you can trust or not online.
Contact dentist immediately and see if you can still settle with dentist. If not, see if the collection company will give you a letter removing the late from your credit if you pay now in full. They will show you paid it in full but what you need is a removal letter from your credit if it was reported on your credit. Move quickly for the collection will stay on your credit 7-10 years.
File a dispute with the credit reporting agency.
Addresses are kept on credit reports as a record of residence. These are not your primary address, and can not be removed. If it is incorrect or has never been your address, then you can have it removed by contacting the credit reporting agency. So, if you have in fact lived at one of the addresses, it is on your credit report to stay.