What are examples of things to say when disputing multiple collections on your credit report?

Answer 1

Here is an excert from Phil Turner's book the Credit Bible about disputes. Action Strategy 2: Dispute those items you know are incorrect -- meaning accounts that are not yours, and or outdated accounts. Note: Don't dispute negative accounts just because the balance is incorrect. For example, if you dispute negative accounts by saying "I paid this account in full" you will possibly lock yourself into a negative mark for at least 7 years. The only thing that the credit bureau will do is change the balance -- the negative mark will not be removed. There are strategies used by credit repair companies in this book to show you how to dispute these incorrect items. Action Strategy 3: It is o.k. to dispute at once all the negative marks that are not legitimately yours or are outdated; otherwise dispute only three (3) accounts or two to four inquires at a time. This takes longer, but the strategy has been proven to be effective. If you dispute too many items at once, the credit bureau will think you are trying to get off the hook and will delay or not reinvestigate your request using the "frivolous or irrelevant" clause under the FCRA. You must work within the system, the results are a lot more favorable. Note: When preparing your first dispute letter, you can start disputing items that may be correct if you have less than three (3) accounts that are incorrect or outdated. Don't dispute more than three (3) items, unless you're disputing false information. Dispute: "I never had a collection account..." You really need to have the proper knowledge prior to disputing. Mistakes can be costly. This is why I recomment getting a good book on the subject.