Repair Credit Report Help
Collection agency has reported the same paid account twice on my credit report.?
It was paid direct with Dr office. had no idea it was sent to collection. Always dealt with dr office. Bill paid in 2006. Now in 3/08 I rec. letter and reports to my credit report. Collection has proof of it being paid with Dr office but refuses to fix credit agencies report. What are my options. I have written a ltr to the collection agency and have disputed this with credit agency.
Public Comments
- In most cases the CRA's will contact the collection agency to verify the debt, if it is verified, then the CRA's will keep it listed on your credit report. Here is a sample letter you should send to the CRA that is listing this debt. Send it certified mail/return receipt requested, they then have 30 days to address this issue. Be sure to include copies of any paperwork you have from the collection agency and also the proof of payment to the original ceditor (the doctor). Date NAME ADDRESS CITY, ZIP Complaint Department Name of Company Address City, State, Zip Code Dear Sir or Madam: I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be removed (or request another specific change) to correct the information. Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible. Sincerely, Your name Enclosures: (List what you are enclosing.) Don't try and dispute with the CRA's on line or on the phone, that gets you nowhere. Hope this helps.
- If you need help getting problems fixed on your credit report you can used a specialized service to do so for you. They fight on your behalf to take out negative marks on your credit report. In the resource box is a link to an article that may help.
