Credit Corp

NOVEMBER 9, 2020

Can a collection agency report to a credit bureau without notifying you? The name of the original creditor to whom the debt is owed. This law covers mortgages, credit cards, medical debts, and any other debt for personal, family, or household purposes. The answer might not be that simple. The Law Protects You.

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Collection Agencies Collections Agency Credit Bureau Collections 106

Credit Corp

MAY 3, 2023

If you’ve got an error of your credit report, it’s up to you to find it, dispute it, and fix the error. Formally disputing an error involves writing a formal dispute letter to the creditor as well as the appropriate credit bureau reporting the inaccuracy. Tell the credit bureau what action you want them to take.

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Credit Corp

OCTOBER 16, 2023

You reached out to me via [phone/mail] on [date] and provided the following account details: [Account number, if provided] [Name of the original creditor, if provided] I am informing you that I dispute the debt you’re claiming I owe. Sincerely, [Your name] How Long Does a Creditor Have to Respond to a Debt Verification Request?

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Debt collector Creditors Original Creditor Lender 106

Sawin & Shea

JANUARY 28, 2021

There are also a few important things you should keep in mind about talking to collection companies and creditors. During your bankruptcy process, you might receive calls from collection agencies as well as the original creditors. These tips will help you handle collection calls correctly. But don’t hang up!

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Collections Bankruptcy Creditors Original Creditor 52

Credit Corp

JUNE 14, 2020

That collection agency may report the debt as owed to the credit bureaus. Suddenly, the debt reappears on your credit report, except now it’s a zombie debt. If the original creditor went to court and obtained a judgment against you for a debt, the zombie debt cycle can be more complicated.

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Debt collector Judgment Collection Agencies Collections Agency 98

Better Credit Blog

APRIL 1, 2022

If disputing the negative entry doesn’t work because you couldn’t find errors, or because the credit bureaus fixed them, your next step should be asking for a goodwill adjustment. Write a letter to the original creditor or collection agency and ask them to remove the negative entry from your credit history as an act of goodwill.

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Bankruptcy Collection Agencies Collections Agency Lender 114

Credit Corp

MAY 3, 2023

Create a List of Errors You must challenge each item separately with the credit bureau that issued the report. Say, for example, you have two collection accounts you want to challenge on the same credit report. Send a Pay for Delete Letter Some creditors may be willing to enter into a pay to delete settlement with you.

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Creditors Bankruptcy Debt collector Original Creditor 88