Casual Articles - How to Remove a Collection Account from Your Credit Report

If you find one on your credit file, you should proceed as follows for the best chance of deletion.

1) Send a DV to the collection agency.

***IMPORTANT*** Always mention in your initial letter to the collection agency that you have never received any communication from them about the account. Even if you have chunked ten letters in the trash already. This statement sets into motion the 5 day time frame for notification of your rights after first contact has been established by the collection agency. By including this statement, on a certified letter, you have informed the collection agency that any and all of their previous attempts to contact you have failed. It will no longer be reasonable for them to later claim they did contact you when they have been told otherwise in a verifiable communication from you.

Just as the collection agency will probably ignore your letter and request for validation, they will invariably fail to comply with the law by sending you the information concerning your rights under the law. This provides you with your first verifiable violation.

Also, the collection agency will no longer be able to legally report the account because you have disputed it within 30 days of first contact based on the date you established in the initial letter.

2) Wait five days, then send in a dispute to the CRA

3) Wait to see if the account is verified by the CRA and for response from the CA. This may take a month or so.

4) If there is no response by the CA, and the CRA verifies the account, send a letter to the CRA as follows:

CRA

On (date) I disputed this account. You claim to have verified the account, however I just spoke to (name) at XYZ Collections, 1-800-555-5555. They claim to have no record of any such account, nor have they heard anything from you about the account.

Please forward to me the name of the person you called to verify this account, the number you reached them at, and any documentation sent by or received by you during the verification process. You are required to furnish this information within 15 days.

If you fail to respond, I and all other parties to this matter, both present and future, will be forced to assume that you never verified this account as you are required to do. I will be compelled to proceed accordingly.

Name

(NOTE: You don't actually have to call the collection agency. Just make up a name and give the number you were given by the CRA. Believe me, nobody will ever check)

5) At about the same time, send a followup letter to the CA as follows:

CA

On (date) I sent you a letter (insert cert. no) requesting you validate the account you are trying to collect from me. You were also made aware that I had never been contacted by you previously about this account. I have received no reply to this letter, but it was delivered to your office on (date rec. by them).

Still, this account remains unvalidated and you are reporting it to one or more credit reporting agencies in violation of the law. This will not be tolerated. If you fail to remove this account from my credit file, until such time as you can provide suitable validation that the debt is legitimate, I will be forced to pursue alternative methods to ensure your compliance with the law in this matter.

Name

6) Wait to see what happens

In many, if not most cases, one of the two will crack and delete the account at this stage. If not

7) Send the credit reporting agency the following letter. Be sure to enclose copies of your evidence against the CA such as DV letters and mail receipts and list each.

CRA

Just as the collection agency will probably ignore your letter and request for validation, they will invariably fail to comply with the law by sending you the information concerning your rights under the law. This provides you with your first verifiable violation.

Also, the collection agency will no longer be able to legally report the account because you have disputed it within 30 days of first contact based on the date you established in the initial letter.

2) Wait five days, then send in a dispute to the CRA

3) Wait to see if the account is verified by the CRA and for response from the CA. This may take a month or so.

4) If there is no response by the CA, and the CRA verifies the account, send a letter to the CRA as follows:

CRA

On (date) I disputed this account. You claim to have verified the account, however I just spoke to (name) at XYZ Collections, 1-800-555-5555. They claim to have no record of any such account, nor have they heard anything from you about the account.

Please forward to me the name of the person you called to verify this account, the number you reached them at, and any documentation sent by or received by you during the verification process. You are required to furnish this information within 15 days.

If you fail to respond, I and all other parties to this matter, both present and future, will be forced to assume that you never verified this account as you are required to do. I will be compelled to proceed accordingly.

Name

(NOTE: You don't actually have to call the collection agency. Just make up a name and give the number you were given by the CRA. Believe me, nobody will ever check)

5) At about the same time, send a followup letter to the CA as follows:

CA

On (date) I sent you a letter (insert cert. no) requesting you validate the account you are trying to collect from me. You were also made aware that I had never been contacted by you previously about this account. I have received no reply to this letter, but it was delivered to your office on (date rec. by them).

Still, this account remains unvalidated and you are reporting it to one or more credit reporting agencies in violation of the law. This will not be tolerated. If you fail to remove this account from my credit file, until such time as you can provide suitable validation that the debt is legitimate, I will be forced to pursue alternative methods to ensure your compliance with the law in this matter.

Name

6) Wait to see what happens

In many, if not most cases, one of the two will crack and delete the account at this stage. If not

7) Send the credit reporting agency the following letter. Be sure to enclose copies of your evidence against the CA such as DV letters and mail receipts and list each.

CRA Job Search Networking, Do You Network As A Beggar or A Valuable Contributor?
Job Search NetworkingThe greatest job search networking tool is you!It’s catch-22. I know I should network to find a job, but networking makes me feel like a beggar. Beggars make people feel pity, bothered, or just uncomfortable. I don't want to be a pest, so I can't get myself started. It is hard to get anywhere with people when, deep down, we're thinking:"I'm asking for something I don't deserve." "I'm a pest! I'm bothering people." "They won't want to talk to me." "They're busy, and I'm imposing on their valuable time."If done properly, however, this job search networking tool can be productive, fascinating, and enjoyable. You can broaden your horizve days, then send in a dispute to the CRA

3) Wait to see if the account is verified by the CRA and for response from the CA. This may take a month or so.

4) If there is no response by the CA, and the CRA verifies the account, send a letter to the CRA as follows:

CRA

On (date) I disputed this account. You claim to have verified the account, however I just spoke to (name) at XYZ Collections, 1-800-555-5555. They claim to have no record of any such account, nor have they heard anything from you about the account.

Please forward to me the name of the person you called to verify this account, the number you reached them at, and any documentation sent by or received by you during the verification process. You are required to furnish this information within 15 days.

If you fail to respond, I and all other parties to this matter, both present and future, will be forced to assume that you never verified this account as you are required to do. I will be compelled to proceed accordingly.

Name

(NOTE: You don't actually have to call the collection agency. Just make up a name and give the number you were given by the CRA. Believe me, nobody will ever check)

5) At about the same time, send a followup letter to the CA as follows:

CA

On (date) I sent you a letter (insert cert. no) requesting you validate the account you are trying to collect from me. You were also made aware that I had never been contacted by you previously about this account. I have received no reply to this letter, but it was delivered to your office on (date rec. by them).

Still, this account remains unvalidated and you are reporting it to one or more credit reporting agencies in violation of the law. This will not be tolerated. If you fail to remove this account from my credit file, until such time as you can provide suitable validation that the debt is legitimate, I will be forced to pursue alternative methods to ensure your compliance with the law in this matter.

Name

6) Wait to see what happens

In many, if not most cases, one of the two will crack and delete the account at this stage. If not

7) Send the credit reporting agency the following letter. Be sure to enclose copies of your evidence against the CA such as DV letters and mail receipts and list each.

CRA How To Survive Google Rocky Search Engine Updates
If you've been promoting your site on the Google search engine, you've probably experienced ups and downs at times unless you are a strong authority site whereby these updates don't have practically any effect on your rankings such that the latter are rather stable. These ups and downs are what the seo marketers call the Google updates. These updates are important because Google is tweaking its algorithm to deliver better search engine results and hopefully to solve problems which are being faced by marketers ie url canonicalization, duplicate content and 302 redirects. In the past months and years, there have been several updates eg Florida, Allegra, Bourbon, Jagger and the latest one at the timhin 15 days.

If you fail to respond, I and all other parties to this matter, both present and future, will be forced to assume that you never verified this account as you are required to do. I will be compelled to proceed accordingly.

Name

(NOTE: You don't actually have to call the collection agency. Just make up a name and give the number you were given by the CRA. Believe me, nobody will ever check)

5) At about the same time, send a followup letter to the CA as follows:

CA

On (date) I sent you a letter (insert cert. no) requesting you validate the account you are trying to collect from me. You were also made aware that I had never been contacted by you previously about this account. I have received no reply to this letter, but it was delivered to your office on (date rec. by them).

Still, this account remains unvalidated and you are reporting it to one or more credit reporting agencies in violation of the law. This will not be tolerated. If you fail to remove this account from my credit file, until such time as you can provide suitable validation that the debt is legitimate, I will be forced to pursue alternative methods to ensure your compliance with the law in this matter.

Name

6) Wait to see what happens

In many, if not most cases, one of the two will crack and delete the account at this stage. If not

7) Send the credit reporting agency the following letter. Be sure to enclose copies of your evidence against the CA such as DV letters and mail receipts and list each.

CRA How Do Your Job Candidates See You?
Have you ever wondered how you come across to the candidates you interview? Here are 9 interviewer types. Work out which is most like you and you’ll know just what your candidates go through at interview.1. The Stickler. The Stickler is someone who likes to plan the interview down to the last detail. He or she believes there is a right way to interview. Once they work it out, they’ll stick to that format every time. Interviews with Sticklers tend to be highly structured, formal, polite, and business-like. They’ll rarely run over their allotted time. Sticklers believe this approach will enable them to make accurate selections.2. The Helper. The Helper is a people-personered to your office on (date rec. by them).

Still, this account remains unvalidated and you are reporting it to one or more credit reporting agencies in violation of the law. This will not be tolerated. If you fail to remove this account from my credit file, until such time as you can provide suitable validation that the debt is legitimate, I will be forced to pursue alternative methods to ensure your compliance with the law in this matter.

Name

6) Wait to see what happens

In many, if not most cases, one of the two will crack and delete the account at this stage. If not

7) Send the credit reporting agency the following letter. Be sure to enclose copies of your evidence against the CA such as DV letters and mail receipts and list each.

CRA

On (date) I disputed this account and you verified it. On (date) I called the CA who could not verify the account to me. Again on (date) I mailed you asking for information about how you verified the account and got no reply. ( NOTE You may actually have to tell them the reply you received had nothing to do with your request. If they do reply at all, it will be a lame attempt to convince you to stop pursuing the matter with them).

Your job is to investigate these matters and reach your own conclusion based on the evidence. You have failed in that task by ignoring the evidence and failing to provide me with any reason to believe that you ever verified this account.

Your continued reporting of this account in spite of the overwhelming evidence that it is being reported contrary to the law will not be tolerated. If this account is not deleted within 5 days and an updated copy of my report sent to me reflecting this deletion I will be forced to seek other remedies.

I have tried to work with you to get this matter resolved, but my patience is wearing thin. Your obligation in the eyes of the law is clear.

Name

At this point, if the account has not been deleted, you may be forced into one of those situations where you have to draft a legal document and send both the CA and tbe CRA an intent to sue letter asking for the payment for their violations. That's another topic for another day.

In my experience, about 95% of all collection accounts will be gone within 60 days using this method. Another 4% will wait for your intent to sue letter and will fold when they see you have legitimate court papers ready to file. For that last one percent, just do it.

HTTP = HTML link (for blogs, profiles,phorums):
<a href="http://www.casualarticles.com/article/91916/casualarticles-How-to-Remove-a-Collection-Account-from-Your-Credit-Report.html">How to Remove a Collection Account from Your Credit Report</a>

BB link (for phorums):
[url=http://www.casualarticles.com/article/91916/casualarticles-How-to-Remove-a-Collection-Account-from-Your-Credit-Report.html]How to Remove a Collection Account from Your Credit Report[/url]

Related Articles:

Create a Magic Connection with Clients, Leads, and Business Associates Part I

Want to make instant connections with people? Want to build instant rapport? Here are some simple strategies that help everyone connect with people. These are things we do naturally broken down step by step. Increase business, increase sales by creating rapport.

3 Keys to Grow Your Business

The number one most costly issue for small business owners today is “low productivity” followed closely by “selecting employees.” By incorporating these practices into their own recruiting and hiring process, small business owners will eliminate the two most costly business issues.

Sales Training Programmes Rarely Provide A Proper Return On Investment

In my opinion, hundreds of millions of pounds world-wide are wasted every year on irrelevant, unnecessary or inappropriate sales skills development and there are four obvious reasons.

Bookmark it: