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credit reports because you can't fix what you can't
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You
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Credit
Cards for 350 - 599 credit scores 600 - 649
score 650 - 699
700+
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 report 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
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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
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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?
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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
free
credit scores & free
credit reports because you can't fix what you can't
see
You
must have at least 3 - 6 open loans or credit cards to improve your credit
Credit
Cards for 350 - 599 credit scores 600 - 649
score 650 - 699
700+
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