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Free Personal Credit Score Analysis Included. I
use this site. Because you can't fix what you can't see and
don't know what to fix without help. Get Help Below
Get your Free Credit Score from CreditReport.com - fast,
free and easy!
You need at least 3 - 6 open
car/home loans/ credit cards to improve your credit scores! It is not
enough to pay off collections charges offs and medical bills. You have to
have current open rated credit (12 months reported to a bureau within the
last 1 - 2 years). Get good credit below
Credit
Cards for a 350 - 599 Credit Score Credit
Card for a 600 - 649 Score
Credit
Cards for Credit Score of 650 - 699 Credit
Cards for a 700 - 749 Credit Score
Many
collections were sold by original creditors to collection agencies for
pennies on the dollar, years after the date of last activity. When the
original creditor charged off the account, they got an income reduction,
from the IRS, for that year. Collections can not threaten to sue or put
pennies on the dollar delinquencies on your Credit
Score in most duplicate account cases.
SO Use this free Form FREE
UNIVERSAL DEBT VALIDATION FORM
Any
duplicate second party debts should be validated as part of negotiations. Validate
the debt, then negotiate with the legal debt holder. Many collection
companies go after debt that is not legally their debt to collect. Some
collections get sold several times. That's not fair.
These
questions should be answered on any Validation request
Who is the current owner of this alleged debt?
~ Who
is the original creditor for this alleged debt?
~ If [NCO/AIS] is the current owner, when was it purchased?
~ Who was it purchased from?
~ Have you assigned the alleged debt to another entity for collection?
~ If so, who?
~ If [NCO/AIS] has sold or otherwise transferred this alleged debt, to whom
was it sold and when.
Question?
A cookbook company is reporting on my credit report that I owe them money.
They're using a collection agency. I never ordered anything from this
company. I disputed it with experian, but they said they verified it &
they won't remove it. What can I do now to remove this? Thank you
----
validate
with the cookbook company then, do it again
Debt
Validation follow up
then call the law, bbb, state consumer affairs, state attorney general,
take them to court with your documents.
It
has been almost a month since I sent my validation letters. 2 of them came
back from different co's. with a letter that stated they sent me info on
the collection on 04-07-07 and that I had 30 days to comply. Going further,
they stated that since i did not validate it, i assumed the debt. Yet they
sent me no info that I asked for! What should I do. (By the way those 2 co.
are the same, using 2 different names for the same amount of money) What
should I do for this as well? And finally the 3rd co. sent me a one sheet
letter that said VALIDATION LETTER, with my acct # and last transaction
date and the original creditor name but none of the specific info asked for
on your Validation letter. What should i do here? Maybe send them follow up
letters? Any help will be appreciated!
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did you do the debt
validation follow up
then
next is file compliant online with state attorney general
------------------
I will do that. But the follow up letters do not contain the specified
documents that you listed in the first letter, so should I add those in
there again?
-------------------
this should prompt them to provide said docs.
but sure ad that in.
then complain to attorney general
here is another set of doc which might help you
Credit
help Letters
Get your
Free Credit Score from CreditReport.com - fast, free and easy!
Free Personal Credit Score Analysis Included. I use this site.
You need at least 3 - 6 open
car/home loans/ credit cards to improve your credit scores! It is not
enough to pay off collections charges offs and medical bills. You have to
have current open rated credit (12 months reported to a bureau within the
last 1 - 2 years). Get good credit below
Credit
Cards for a 350 - 599 Credit Score Credit
Card for a 600 - 649 Score
Credit
Cards for Credit Score of 650 - 699 Credit
Cards for a 700 - 749 Credit Score
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