How Do I Let The Credit Bureau Know I Have Paid A Collection Off ?!!!
I recently bought a house. To get the house i had to pay off a collection. After i did so i checked my credit only to find another agency was trying to collect. (National Credit Adjusters) I disputed the charge with experian but they said it was a legitimate collection. However i have a letter with my account number saying i paid it off. How do i proceed?
The Answer : By now, you know the drill...the gazillion dollar a year "game" played on your behalf will fight to keep reporting your bad credit listings. Sad but true. Okay, so you didn't get off easy with a simple deletion. It's time to go to work. Yeah, I know...that stinks. Here's the good news...we have a plan.
With that said, let's unveil PLAN "B" ... our effective contingency plan.Here it is ... FCRA section 611 (a) (7). Don't worry, we'll break it down for you. You're busy and you want the executive summary version. Correct?Once you receive a "verified as accurate" letter from a CRA, quickly call or write (depending on your urgency) the CRA requesting their method of verification. Yes, this is your right under the FCRA section 611 (a) (7) and they must respond within 15 days of receiving your request.How Did the CRA Investigate? What "Method" Did They Use? By law, the credit reporting agency must provide you with their method of verification within 15 days of your request.
1 comment:
its very complex to talk or understand plans b or c , would you please just tell us more about the steps and where to go from there , thank you so much , we appreciate it .
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