Accurate collection
Date: Fri, 05/18/2007 - 12:08
Hi I hae a question...I had a phone line with qwest that I disconnected in 09/2006 because I was moving. Unfortunatly we had many financial problems and I was unable to pay it until now, so its under collections on my credit report. We never received a collection letter of any kind...My question is since this is a valid debt how do I dispute so that maybe it can be removed??? Did I make a mistake by paying it? Also is there a template for disputing? Lastly, is there any possiblility it will be removed? TIA, this is an awesome forum. B
A legit debt will always stay in the credit report for at least
A legit debt will always stay in the credit report for at least seven years from the date of first delinquency. Go through the FCRA laws and know your rights if the CA is reporting any disputed information.
you can challenge aything on your credit report. Many times the
you can challenge aything on your credit report. Many times the paperwork is too much trouble for the collection agency to find or they do not have anyone to do it and they do not respond to the challenge. If they do not respond the negative must be removed. That is what these credit repair companies bank on. They will go back and challenge it again down the road. The next time the file may be lost. It works sometimes
