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Pretty easy. You just need to send a letter to the credit bureaus and tell them that you are disputing the date of last activity on the account. You can find their contact information at www.creditscorehero.com/articles/credit-bureau-contact.aspx
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∙ 15y ago
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If you dispute a debt from a collection agency and send it with delivery confirmation does the 30 days start from the date they received the letter?
yes. It begins when the letter is signed for. This is why it is very important to always send a letter of dispute via registered mail. The 30 days has nothing to do with the collection agency and it's requirement to prove the validity of a debt. The 30 days applies to the consumers right to dispute a debt after receiving written notification of the debt. There is no time constraint on the collection agency to get the proof to the consumer. However, they must stop all collection activities until they do provide the proof.
What is the best way to a dispute debt from a collection agency if the debt shows as resolved closed or written off from the original creditor?
Writing off a debt is not forgiving it. All that means is that the debt is no longer active in their accounting system and written on their behalf into another. You can't dispute that which is still owed. Its like saying you don't have to send your mother a birthday card because she moved from Minneapolis to Phoenix...she must not have a birthday because you have never celebrated it in Arizona.
How do I get a disputed debt off of my credit report?
The legal answer is that the process of disputing a debt is simple that for disputes. If your only dispute is that you do not want a litigate debt reported on your credit then you would not legally have the grounds for filing any disputes. If however, the debt is genuinely incorrect or not yours; then you should be able to google "credit dispute" and find sample letters and instructions on the process of assuring that your credit report contains accurate information. I would avoid any company or service that claims to "fix" your credit, as most of the time its just a scam, and they just send the same letters you can download off the internet for free.
Should you dispute an entry on your credit report that is listed twice as the same account and same amount but different account numbers if both are listed as individual debt and should be joint?
You should dispute and have this consolidated with the correct information. Not all creditors or people looking at the credit report would notice this was the same account.
If a charge off has just come off your credit report can a collection agency or debt collector put it back?
NO! Once a debt has reached it's statute of limitation it must be removed from your credit report. If a collection company reports the bedt with a new date dispute it immediatly because what they are doing is illegal.
How many days does a debtor have to dispute their debt?
It depends on the contract language but you should file your dispute immediately upon learning the debt exists. The law work on the "reasonable person doctine". You should be good if you filed the dispute within 30 days upon learning of the debt.
Can you dispute the validity of a debt at any time?
The FDCPA says you have 30 days from the date of the initial letter you are sent to dispute the validity. This is known as the validation period. I don't believe many agencies would not deal with a dispute at any time of the debt though.
Who do you contact to dispute a debt?
Usualy Collection department in Credit institution.
How do you dispute a claim for unacceptable services without going to court if they have already contacted collections?
You dispute the claim. The effect your dispute has depends upon the nature of the debt (commercial or consumer debt) and your state laws. You "dispute" sounds more like an affirmative defense, something to be raised as a legal defense in your answer to the complaint. The debt may be governed by the UCC, and therefore you may have alternative defenses available. Please talk to a knowledgeable attorney familiar with your state's laws.
If you dispute a debt from a collection agency and send it with delivery confirmation does the 30 days start from the date they received the letter?
yes. It begins when the letter is signed for. This is why it is very important to always send a letter of dispute via registered mail. The 30 days has nothing to do with the collection agency and it's requirement to prove the validity of a debt. The 30 days applies to the consumers right to dispute a debt after receiving written notification of the debt. There is no time constraint on the collection agency to get the proof to the consumer. However, they must stop all collection activities until they do provide the proof.
What is the best way to a dispute debt from a collection agency if the debt shows as resolved closed or written off from the original creditor?
Writing off a debt is not forgiving it. All that means is that the debt is no longer active in their accounting system and written on their behalf into another. You can't dispute that which is still owed. Its like saying you don't have to send your mother a birthday card because she moved from Minneapolis to Phoenix...she must not have a birthday because you have never celebrated it in Arizona.
What is credit card debt negotiation for?
Credit card debt negotiation can be used to dispute any unauthorized fees and charges. It can also be used to negotiate terms (such as interest fees, late payments) and lower one's assumed debt.
Is it illegal to dispute a collection in hopes of having it removed even though you know it is correct?
IT's not illegal but it is pointless. It takes substantial proof to have negative information removed. Denying the debt is not enough to have it taken off the CR. It is not illegal to dispute any debt. The (federal) Fair Credit Reporting Act states that bureaus have 30 days to verify any disputed debt. If any debt is not "verified" within that time frame, this debt is shielded from view, regardless of its' accuracy authenticity.
What to do if a creditor still says that you owe them after a cancellation of debt?
Ask the creditor to send you written verification of the debt including all of their documents after incurring the debt. If the cancellation of the debt is not indicated in their documents, then dispute the debt by providing your written notification of cancellation of the debt to the creditor and if unsuccessful, then dispute the debt with the credit bureaus who will initiate an investigation with the creditor and the credit bureau will usually repond to you in 30 days. If no response from the creditor then it will usually be deleted from your credit report. If the collection harassment continues then ignore it realizing that probably no legal action will be taken against you or you can contact an attorney to contact the creditor. Either pay the debt or file bankruptcy.
What do you do after you disputed a debt that was not yours sent a certified letter to the creditor but received no response after 30 days?
#1. Dispute the debt again. #2. File a complaint with the Federal Trade Commission.
When did Mexico stop payments on its debt to the US because of dispute over the Texas-Mexico border?
sometime in the 1840's
If your original creditor was removed from your credit report can you dispute the collection agencies still showing the debt and have them removed also?
No, the original crditor was removed because the account was sold to a third party collector. The entry will remain on the report for the required 7 years from the DLA. You can dispute the collection agency entries as well. Often times if you have paid the debt, the collection agency will no longer keep records, thus be unable to prove the debt when you dispute it. They more than likely won't even respond, as they got their money and don't care anymore.
