Fixing Credit Report – New Step to Dispute Credit Successfully
Fixing credit report techniques have changed with time. I figured this out in the last year that I’ve been working on my credit report more aggressively. I had been sending letters disputing a few collections that were just not budging. Unfortunately I was starting to consider the idea of just paying the whole thing off and having them agree to delete the item from my report. I tried working with them while I was going through my rough patch as I like to call it but to them it was pay me now or we go to the next step. That’s where we are now.
I had been reading an old credit book that I picked out of the garage. One we never bothered to put back on the book shelf after we moved. Anyway it had great ideas on learning about the credit laws and sending disputes to the credit bureaus. I had tried that as I mentioned and it wasn’t working with this particular company.
Fearing the worst which would be paying these blood suckers the amount requested. I looked for more information online, as many do everyday. I was really battling the idea of paying them. What I think made the difference was the fact that in my initial contact with the company I made the mistake of telling them a little about my plans to buy a home and stuff and I wanted to do it before this whole credit for first time buyers expired. I can almost bet they made a little note on their system saying they could get more money out of me because I was trying to get ready for this move.
Either way, I figured they were blowing my chance at taking advantage of this credit so I looked for better ways to dispute with them. I got my hands on a fixing credit report manual that outlined a nice little step to deal with credit collection companies that don’t have the required documentation to collect from you. Here’s what I mean.
The credit collection company had to provide me a copy of the original contract and paper work I signed when I applied for the account. That was something I never thought about. Just like the book said. If I owe Joe 300 dollars, would I pay Mary 300 just because she says she’s calling for Joe? Duh, I never thought of asking for proof of the debt. By what I learned, I could ask the collection company for the proof of my debt. Well it worked great. Not only did they not have the copy of the original paperwork. The original credit card company had merged with another, making it more difficult for them to source out a copy of the contract. Needles to say, I paid them nothing and they couldn’t show proof. This gave me the opportunity to demand the bureaus to remove the item. That was the twist my dispute letter needed, to make it work. Again, something I never would have thought about doing while going over ideas on fixing credit report techniques. In the end I settled with some, disputed others and had duplicates erased.
Credit repair techniques change. Using the most current techniques to dispute correctly has worked well for me. I understand my credit now and strongly recommend consumers understand this critical aspect of their financial life. There’s a lot of information out there. Below is what helped me the most.
Copyright 2010 Rene C. Alexander.
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