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You can dispute inaccurate data directly with the debt collector.

When some creditor does not receive expense for an owed amount, they may give the account to a collection agency to collect the debt. The collection agency will contact the consumer in query through telephone also mail in an attempt to collect the debt. While this process is fairly correct, the series agency can generate a mistake and contact a person who does not owe a obligation, or give the incorrect information in regard to the debt owed. If this happens to you, there are steps you may consider to remedy the situation.

Trouble: Moderate

Instructions

things you'll need:

Telephone Pen Report Computer Printer Stamps Envelopes

1 Write down seeing that much facts as possible approximately the conversation you have by way of the collection agency. This includes the title of the collection agency, the name of the representative you spoke by, contact information for the agency and each information you receive about the debt. Ask the representative to send you information about your debt in writing by mail.

2 Write a letter to the series agency disputing the debt. Contain since much information as possible, including each and every copies of previous bills displaying the correct information. If the debt in question remains not yours, explain this in the letter. Send the dispute letter to the collection agency via licensed mail with a return receipt.

3 Order some copy of your credit report Web from the three credit bureaus: Equifax, TransUnion and Experian. Print some duplicate about all three statements.

4 Review the report to see if the collection agency reported the debt on your record.

5 If the disputed debt show up on your credit report, post a dispute letter to the credit office requesting investigation, correction and/or removal the data. Circle the debt in question on the credit statement, make a copy and attach it to the again of the dispute letter. Mail the letter certified mail to the credit office. In 30 days, purchase any new copy about your credit record plus guarantee the info yous correct.

Tips & Warnings

Debt collectors cannot annoy you, make threatening statements or present false data. If you believe you have been victimized by way of a debt collection agency, contact any barrister with your area with assistance.

Privacy Rights Clearinghouse: Obligation Collection Practices Office about the Attorney General: Collection Agencies

Photo Credit

debt defined picture by way of Christopher Walker from website

Resources

Annual Credit Record

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