How Do I Remove False Debt Collections From My Credit Report?!

by **Almer** » Thu Mar 06, 2014 9:56 am

I recently obtained my credit report and found there is a collections account for a credit card company I never had on it. This account says that is was opened for collections in Jan 2013. I never had this credit account, and this account does not appear on my credit reports for 2011 or 2012 from the original creditor. I paid off all my 10+ years old cards. I know this is false information, so how do I remove it? Its the only negative mark and its effecting my score!

by **Titus** » Sat Mar 08, 2014 10:57 pm

well number one you have to get all three of them then once you do you can circle the ones you are questioning then write to the card company ask them to look into how ever ones you have and ask them to check on them and take theses off keep doing this til they remove it and then you'll get a new one and then do it that way til your done softbabe44 4 months ago

by **Asaph** » Thu Mar 20, 2014 7:15 am

You can file a complaint with the credit agency. They have to remove the negative item and they give the originator 30 days to verify the claim. If the originator can't provide proof, the negative item is permanently removed. Ancient_Hacker 4 months ago

by **Blyth** » Tue Apr 01, 2014 10:22 am

There's a "dispute" section on every single credit reporting agency site and report. Follow along with the directions on that. avalanchefan95 4 months ago

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