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Is it illegal to dispute a collection in hopes of having it removed even though you know it is correct?
Wiki User
∙ 19y ago
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.
Wiki User
∙ 19y ago
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How can you mend your credit after a paid collection?
Only the credit bureaus the collection agency can remove a collection from your credit report. The collection agency won't do it now since it is paid and they have no reason to. You can dispute it to the credit bureaus and ask for verification on the account. They will have 30 days to verify the items or it must be removed from your credit report.
How can you remove a paid collection?
There are 2 ways to remove a collection off your credit report. Either by the original creditor or by the credit bureau. The creditor will most likely not help you unless it was negotiated before you paid them off. You can dispute the debt to the credit bureaus and they must investigate it. If it isn't verified with in 30 days it will be removed from your credit report.
Can evictions be removed from credit report?
THE ANSWER IS YES 1. RETAIN legal cousel to fix it 2. dispute it with all 3 credit bureaus 3. settle the debt with the apt complex/landlord and request that it be removed from all 3 credit bureaus, the collection agency, and you want it removed from the court records/public records, its easier said than done without help from an attorney. JUDE KAGABINES LEXINGTON SC
What do you do if an account was turned over to a collection agency but the original creditor accepted your payment in full?
Contact the original creditor. Provide proof of your payment. They need to retract the account from the collection agency. The account could have been sold to the collection agency or simply assigned to them. For your purposes, it does not matter which situation applies. You paid the original creditor and your credit report needs to reflect this. After they do what they need to do to get the account back; you then dispute the entries with all three credit bureaus. The original account should show as a paid collection and the other collection account should be removed from your credit report entirely.
Can late payments be removed from your credit report?
Yes, late payments can be removed from your credit report. Under the Fair Credit Reporting, any consumer can dispute anything on their credit report they believe to be erroneous or inaccurate. If you fall under this category, send a dispute letter to the credit bureau asking for verification on the account, they have 30 to days to verify it or it must be removed.
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.
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.
If a debt has been paid to the original creditor and they recall it from their collection agency will a dispute succeed in having it removed from the credit report?
Hard to say. Disputing the collection after you pay off the creditor could still come back as 'verified' from the credit bureaus simply because the collection did happen. If the collection agency does not respond to the credit bureau's query, then the entry will be removed.
How can you mend your credit after a paid collection?
Only the credit bureaus the collection agency can remove a collection from your credit report. The collection agency won't do it now since it is paid and they have no reason to. You can dispute it to the credit bureaus and ask for verification on the account. They will have 30 days to verify the items or it must be removed from your credit report.
If a debt is reflected on your credit report by a collection agency can the original creditor recall their collection allowing you to dispute the debt with the credit bureaus and have it removed?
YES, THIS COLLECTION ACCOUNT CAN BE DISPUTED; WHICH MEANS THAT AFTER THIS IS DISPUTED YOU CAN ALSO REQUEST FOR THIS ACCOUNT TO BE REMOVED FOR GOOD WITHOUT HAVING TO WAIT FOR THE SEVEN YEAR PERIOD. THIS WILL ALLOW YOU TO HAVE A CLEAN CREDIT HISTORY WHICH IN TURN INCREASE YOUR CREDIT RATING.
I have a collection for a doctor's bill from 2003 on my credit report I just noticed that they reposted the same bill on my credit report and changed the date to 2008. Can they do that?
sounds like might have sold the account to another collection agency--dispute it after the 7 years is up to get it removed
What if you dispute a report from a collection agency that is now closed?
This would actually be a good situation. The bureaus have a limited amount of time to investigate and validate the credit item. If it cannot be validated it must be removed.
Is it possible to have a judgment removed when there are two for the same collection on your report?
Yes, you need to dispute this with the three major credit reporting agencies. PLEASE PLEASE PLEASE always save your paperwork for things like this. A little bit of diligence goes a long way. Send them a letter stating that you dispute it. Send whatever evidence that you have along with it. Usually judgments stay on your credit report from anywhere from 7-20 years. In this case you need to dispute it, after you send them the dispute with your evidence the three credit reporting agencies will go over your credit history and hopefully it will be removed. Good luck to you.
If you dispute items on your credit report are they removed temporarily while they are being verified by the credit companies?
Disputed items are not removed from your credit report during the period of "verification". If you dispute an entry with a collection agency, they are supposed to notate the disputed account upon their next update. Updating the trade line without that notation constitutes continued collection activity and is a violation of law. There is no such obligation on the credit bureaus themselves. They simply must complete their verification within 30 days from receiving your dispute. If the reporting creditor verified the trade line within that time period, you are informed. If the reporting creditor fails to respond, or does not verify, the trade line is shielded from further reports.
Can collection agencies report the same dept more than once and for different amounts to the credit bureaus?
No. You have to put in a dispute saying that the two are the same debt and that there reported for two different amounts. The credit bureau will dispute it for you and have it fixed. The company in most states has 30 days to respond with the correct information. And then the incorrect information will be removed. If they don't respond at all to the credit bureau in 30 days the credit bureau will remove them both completely from your credit report. It is a win win situation.
How do you get repossession removed from credit report?
If it's not actually true, then you can dispute it with the reporting agency. If it is true, then you don't "get it removed." It will be removed after a certain amount of time has elapsed.
How can you remove a paid collection?
There are 2 ways to remove a collection off your credit report. Either by the original creditor or by the credit bureau. The creditor will most likely not help you unless it was negotiated before you paid them off. You can dispute the debt to the credit bureaus and they must investigate it. If it isn't verified with in 30 days it will be removed from your credit report.
