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dispute collection on credit report question.

tennis4789 890 383 April 5, 2016 at 01:01 PM in Finance (2)
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A collection agency is trying put something on my credit report. I'm pretty sure all my bills are paid in full.

What's easiest way to get this off my credit report?

TIA

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#2
I would start by contacting the credit agency and making sure they have the right person and the bill is legit. Usually they would have gone through a process that you would be aware of before going to the point of putting it on your CR.
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#3
And if they won't help, dispute with all credit agencies.
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#4
Quote from tennis4789 View Post :
A collection agency is trying put something on my credit report. I'm pretty sure all my bills are paid in full.

What's easiest way to get this off my credit report?

TIA
What did the collection agency tell you when you contacted them about the debt?
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#5
Quote from KPS View Post :
What did the collection agency tell you when you contacted them about the debt?
It hit my credit report 3/31.

I called collector 3 business days ago. I got an answering machine and left a message and they have not returned my call.

Also Wondering how much it will affect my credit score.
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#6
Quote from tennis4789 View Post :
A collection agency is trying put something on my credit report. I'm pretty sure all my bills are paid in full.

What's easiest way to get this off my credit report?

TIA
Usually those aren't placed in error (it's possible but not very common). You should definitely contact them to see what the bill is (they have all of that available on how much you owe and to whom).

Once a collection agency takes control of a collection account, you can no longer deal with the originating institution. Deal with the collection agency and see if they have recourse. Ask them for contact attempt information.

Very likely this will remain on your report if it was indeed your account, a paid off collection will look better than leaving it. It will certainly hurt your credit a good amount.
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#7
http://www.consumerfinance.gov/

fighting with the collectors is useless from my experience. if you must contact the collectors, you should contact them with a google voice number or something so they won't have your personal number. once they get your personal number believe me they will call and all and all. i had to make a complaint with this federal agency which forced the debt collectors to remove it from my credit report.
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#8
1. Dispute only with the furnisher
If you know a lender is misreporting your information to a credit bureau, it may seem faster to bypass the credit reporting agency completely and deal only with the lender. "The law allows you to go directly to the furnisher and state your case," says Norm Magnuson, vice president of public affairs at the Consumer Data Industry Association, a group representing consumer data reporting companies.

Don't. If you skip the credit bureaus' dispute system, you risk not being able to fight back if the lender fails to correct the mistake, say experts. "In order to trigger the investigation process under the Fair Credit Reporting Act, the dispute has to be sent to the credit bureau," says DeVonna Joy, an attorney with the Consumer Justice Law Center in Big Bend, Wis.





Read more: http://www.creditcards.com/credit...z45udEg6WH
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#9
make sure you don't unnecessarily give any information - i.e. "oh, your birthday isn't xxx? let me update our records" - also, I would suggest communicating over certified mail so that you have a paper trail and proof - it's much harder to ignore (recording phone calls may or may not be legal..)
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#10
ask the collection to verify the debt. they are required to provide you with info about the original creditor, and then you can be 100% sure the debt is not yours.

this is requested by mail, certified is preferred.
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#11
Quote from faulk6 View Post :
ask the collection to verify the debt. they are required to provide you with info about the original creditor, and then you can be 100% sure the debt is not yours.

this is requested by mail, certified is preferred.
Iagree

This is your first step. In the meantime, they have to remove it from your CR if I'm not mistaken.
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Marshall: Have the rest of you guys figured out by now that mmathis is the smartest guy on SlickDeals?
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#12
Quote from eekthecat View Post :
Usually those aren't placed in error (it's possible but not very common). You should definitely contact them to see what the bill is (they have all of that available on how much you owe and to whom).
May not be typical, but if this is the first the OP has heard of it, that may be the most likely scenario. Could be someone with the same name


Quote :
Very likely this will remain on your report if it was indeed your account, a paid off collection will look better than leaving it. It will certainly hurt your credit a good amount.
Agreed that you don't want to leave it alone. It will hurt your credit quite a bit to leave it on there, so make sure you deal with it somehow OP.

How much is the collections amount, OP?
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#13
Quote from mmathis View Post :
May not be typical, but if this is the first the OP has heard of it, that may be the most likely scenario. Could be someone with the same name




Agreed that you don't want to leave it alone. It will hurt your credit quite a bit to leave it on there, so make sure you deal with it somehow OP.

How much is the collections amount, OP?
protectmyid which is kind of like creditkarma service just says address and phone number of collection agency. shows up for experian. no amount that I can find. no description.

I called the collection agency left a message and got no call back.

I'm guessing it's $50 from termite inspection company. I was buying a house. My Realtor scheduled termite guy. He texted me but I didn't understand termite guy was sposed to show up. The Real Estate deal was a mess and did not go through (i will never use buying agent agent again my Realtor was not looking out for my interest.) . Termite company showed up. I've never talked to termite company. He didn't do inspection

collection agency sent me something awhile back before it showed up on credit report. I sent them a letter not a registered letter saying I contested the charge. They ignored my letter.

unsure of my next step?
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#14
Dispute it through the credit bureau
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#15
thanks everyone for input.

I disputed it by pulling my experian report today. spot on electronic report to dispute. Was an address i had never lived. i had to call experian. experian deleted wrong address and negative remark. happened all in 1 day dispute and removal.
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