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Old 08-20-2005, 02:48 PM   #4 (permalink)
mosha
Crazy
 
Location: Htown, NJ
I would first write a letter to the collection agency and get them to verify the debt. If they cant verify within 30 days then they have to delete it. During the same 30 day period contact the credit agency, experian or whomever and tell them the debt isn't yours. this will make the collection agency also have to verify the debt with the credit agency. typically the collection agency can not verify to both you and the credit agency within 30 days which makes it come right off.

if they do verify sometimes you can get the credit agency to do a "pay to delete" meaning they will delete the record from your credit if you pay the debt. make sure you have all this in writing before you pay it though.


make sure you keep copies of all letters you send and try to send them certified so you have a date stamp and return receipt.

finally it should come off after 7 years anyway
mosha is offline  
 

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