There Is A Debt On My Credit Report That I Know Is Not Mine How Do I Get It Removed?

[Calbhach]

I just got a copy of my credit report and there is a debt on there for a company in my hometown which i have not lived in going on 3 years. the date it was opened is 5/2009. how do i dispute this? should i call the company or the collection agency which it does not provide a number for just an address. Please help i know this is not my bill.

[Cristoval]

Online StorePersonal CounselingCredit Card DealsFREE Debt HelpFree Credit Repair KitDebt Settlement MethodsFree Credit ReportsBudget & SaveMost Recent ArticlesPrivacy Matters 1-2-3New Millennium Bank Secured PlatinumAdvertiseContact Us on TwitterOrder Status/Q'sConsumer InfoDebt ConsolidationMortgage/Card RatesCredit ScoreRebuilding CreditFind A Credit CardFree Sample LettersDispute w/Original CreditorPayday LoansLegal ReferencesStatute of Limitations on DebtDivorceDebt validationChexsystemsCredit FAQsGood Credit is SexyOur Privacy PolicyHistory of CreditInfocenter Bookmark the SiteVersión Española(Spanish)DisclaimersValid XHTML 1.0 TransitionalCredit repair information and free credit reports for debt consolidation and debt management counseling. Understand consumer credit counseling and debt consolidation credit counseling. Use low-interest credit cards for bill consolidation for credit repair and avoid bankruptcy using our proven, debt management techniques.Go Free Credit

[Bardrick]

there is a debt on my credit report that i know is not mine how do i get it removed Online StorePersonal CounselingCredit Card DealsFREE Debt HelpFree Credit Repair KitDebt Settlement MethodsFree Credit ReportsBudget & SaveMost Recent ArticlesPrivacy Matters 1-2-3New Millennium Bank Secured PlatinumAdvertiseContact Us on TwitterOrder Status/Q'sConsumer InfoDebt ConsolidationMortgage/Card RatesCredit ScoreRebuilding CreditFind A Credit CardFree Sample LettersDispute w/Original CreditorPayday LoansLegal ReferencesStatute of Limitations on DebtDivorceDebt validationChexsystemsCredit FAQsGood Credit is SexyOur Privacy PolicyHistory of CreditInfocenter Bookmark the SiteVersión Española(Spanish)DisclaimersValid XHTML 1.0 TransitionalCredit repair information and free credit reports for debt consolidation and debt management counseling. Understand consumer credit counseling and debt consolidation credit counseling. Use low-interest credit cards for bill consolidation for credit repair and avoid bankruptcy using our proven, debt management techniques.Go Free Credit Sources: http://www.creditinfocenter.com/ Nalla 47 months ago Please sign in to give a compliment. Please verify your account to give a compliment. Please sign in to send a message. Please verify your account to send a message.

[Dyami]

a debt on my credit report ... If the credit reporting time limit for the debt has not run out, the debt can still be included on your credit report, if it's truly your debt. Most negative information stays on your credit report for seven years, but, in some states the statute of limitations runs out after three to five years.More FAQs on Debt Statute of LimitationsRelated Articles * Credit Report FAQ - How do I remove a debt when the statute of limitations ... * Debt Collection Statute of Limitations ? What?s the Statute of Li... * Credit / Debt Management - Updated Articles and Resources * Credit / Debt Management - New Articles and Resources * Credit Report FAQ - How long does negative information stay on my credit re...LaToya IrbyLaToya IrbyCredit / Debt Guide * Sign up for my Newsletter * My Blog * My ForumSponsored LinksCapitalism ComparedA look at principles behind U.S. and European financial systemswww.america.govAia CreditEarn AIA credits at Post-Frame U. Sign up for the online course todaywww.PostframeAdvantage.com/OnlineUICICIdirectPresents Investment Account Your Password to Prosperitywww.icici-direct.inDebts Xchange Communityglobal web2.0 community for credit& debt professionals. Free, Join now!www.debtsxchange.comApply For a Personal LoanAmounts up to Rs 10 Lakh. Cash No Guarantor Required.Apply Now!Online.citibank.co.in/CitiFinancialICICI Pru Life InsuranceTax Saving Plans for better future. Understand through our advisor.www.ICICIPrulife.com/Life_Insurance Sources: http://credit.about.com/od/statuteoflimitations/f/creditreportsol.htm newuser63709894 47 months ago Please sign in to give a compliment. Please verify your account to give a compliment. Please sign in to send a message. Please verify your account to send a message.

[Dirrnyg]

The debt found in your credit report can turn you into a prisoner. The reason for this analogy is when you have debt, you do not have the freedom to use your money the way you would like, so essentially, you are being held captive by your credit obligations. However, the restrictions that debt imposes on your finances were created by you. In order to reduce the restrictions put forth by your credit obligations, you need to rid your credit report of outstanding debt.InstructionsThings You'll Need: * Credit report 1. Step 1 Determine the amount of debt on your credit report. Before you can remove debt from your credit report, you need to determine the amount of debt that you have. To do so, you need to order your actual credit report. Under the Free Disclosure Rule of the Fair and Accurate Credit Transactions Act, which is more commonly called the FACT Act, you have the right to view a copy of your credit report from all three of the major credit reporting bureaus, TransUnion, Experian and Equifax, for free every year. See resources for the direct link to the website where you can obtain your credit report. 2. Step 2 Dispute any mistakes on your credit report. If you find any debt-related errors on your credit report, you need to dispute the erroneous information so the information can be removed. For example, if there is debt on your credit report that does not belong to you, or if you have satisfied a particular debt but it still appears on your credit report as unpaid, you can dispute the inaccurate information. The credit dispute must be done in writing and sent to the credit reporting bureau that has the inaccurate information. The addresses to each credit reporting bureau and a sample copy of a dispute letter can be found on the Federal Trade Commission website. 3. Step 3 Pay off any remaining debt. After you have correctly identified the correct amount of all your debt, you need to pay the debt off. The amount of money you owe creditors is more commonly referred to as your "credit utilization ratio." Your credit utilization ratio accounts for 30% of your credit score so if you pay off all of your outstanding debt, your credit score will increase. 4. Step 4 Negotiate the removal of any negative information. If you pay off a delinquent account that appears on your credit report, the creditor is not obligated to remove the negative information. However, in most cases, delinquent accounts are handled through a third-party debt collection agency. You may be able to negotiate with the third-party collection agency to have the negative information removed from your credit report if you pay the outstanding debt. 5. Step 5 Do not create any new debt. Once you have paid off all of the debt on your credit report, you may be tempted to use your credit again; however, in order to keep your credit report free of debt, you should refrain from creating any new debt.

[Tzion]

my credit report that i know is not mine how do i get it removed Of course you can! Many of our readers(even yours truly) have cleared up a few blemishes on their reports. And by the way: everything a credit repair clinic can do for you, you can do for yourself at little or no cost. That being said, we know that sometimes people feel overwhelmed with the process and want to ask a live person a question if they get stumped. If you do, you can set up a paid consultation with one of our counselors for a small fee.Make sure you also read our article, "The 5 Biggest Mistakes People Make in Credit Repair". We've also started a FREE credit repair video series.What the information provided in this page does is help you fix ERRORS on your credit report and clean up those "questionable" items. While no one can legally remove accurate negative information from a credit report, the law does allow you to request an investigation of information in your file that you dispute as inaccurate or incomplete. On the other hand, *nudge* *nudge*, *wink* *wink*, it is perfectly legal to challenge ANYTHING on your credit report. There is no charge for requesting an investigation. The whole key to the credit repair procedure is that if the credit bureaus cannot verify information on your credit report they must remove it. For instance, if a credit bureau cannot contact a collection agency which is reporting a collection on your report, they cannot verify the information, and the credit bureau must delete the entry. Let's meet Edouardo. Sources: http://www.creditinfocenter.com/repair/Repair.shtml James_Brown 47 months ago Please sign in to give a compliment. Please verify your account to give a compliment. Please sign in to send a message. Please verify your account to send a message.

[Seignour]

If the credit reporting time limit for the debt has not run out, the debt can still be included on your credit report, if it's truly your debt. Most negative information stays on your credit report for seven years, but, in some states the statute of limitations runs out after three to five years.More FAQs on Debt Statute of LimitationsRelated Articles * Credit Report FAQ - How do I remove a debt when the statute of limitations ... * Debt Collection Statute of Limitations ? What?s the Statute of Li... * Credit / Debt Management - Updated Articles and Resources * Credit / Debt Management - New Articles and Resources * Credit Report FAQ - How long does negative information stay on my credit re...LaToya IrbyLaToya IrbyCredit / Debt Guide * Sign up for my Newsletter * My Blog * My ForumSponsored LinksCapitalism ComparedA look at principles behind U.S. and European financial systemswww.america.govAia CreditEarn AIA credits at Post-Frame U. Sign up for the online course todaywww.PostframeAdvantage.com/OnlineUICICIdirectPresents Investment Account Your Password to Prosperitywww.icici-direct.inDebts Xchange Communityglobal web2.0 community for credit& debt professionals. Free, Join now!www.debtsxchange.comApply For a Personal LoanAmounts up to Rs 10 Lakh. Cash No Guarantor Required.Apply Now!Online.citibank.co.in/CitiFinancialICICI Pru Life InsuranceTax Saving Plans for better future. Understand through our advisor.www.ICICIPrulife.com/Life_Insurance

[Allahkoliken]

debt on my credit report The debt found in your credit report can turn you into a prisoner. The reason for this analogy is when you have debt, you do not have the freedom to use your money the way you would like, so essentially, you are being held captive by your credit obligations. However, the restrictions that debt imposes on your finances were created by you. In order to reduce the restrictions put forth by your credit obligations, you need to rid your credit report of outstanding debt.InstructionsThings You'll Need: * Credit report 1. Step 1 Determine the amount of debt on your credit report. Before you can remove debt from your credit report, you need to determine the amount of debt that you have. To do so, you need to order your actual credit report. Under the Free Disclosure Rule of the Fair and Accurate Credit Transactions Act, which is more commonly called the FACT Act, you have the right to view a copy of your credit report from all three of the major credit reporting bureaus, TransUnion, Experian and Equifax, for free every year. See resources for the direct link to the website where you can obtain your credit report. 2. Step 2 Dispute any mistakes on your credit report. If you find any debt-related errors on your credit report, you need to dispute the erroneous information so the information can be removed. For example, if there is debt on your credit report that does not belong to you, or if you have satisfied a particular debt but it still appears on your credit report as unpaid, you can dispute the inaccurate information. The credit dispute must be done in writing and sent to the credit reporting bureau that has the inaccurate information. The addresses to each credit reporting bureau and a sample copy of a dispute letter can be found on the Federal Trade Commission website. 3. Step 3 Pay off any remaining debt. After you have correctly identified the correct amount of all your debt, you need to pay the debt off. The amount of money you owe creditors is more commonly referred to as your "credit utilization ratio." Your credit utilization ratio accounts for 30% of your credit score so if you pay off all of your outstanding debt, your credit score will increase. 4. Step 4 Negotiate the removal of any negative information. If you pay off a delinquent account that appears on your credit report, the creditor is not obligated to remove the negative information. However, in most cases, delinquent accounts are handled through a third-party debt collection agency. You may be able to negotiate with the third-party collection agency to have the negative information removed from your credit report if you pay the outstanding debt. 5. Step 5 Do not create any new debt. Once you have paid off all of the debt on your credit report, you may be tempted to use your credit again; however, in order to keep your credit report free of debt, you should refrain from creating any new debt. Sources: http://www.ehow.com/how_5732349_remove-debt-credit-report.html Muthusamy 47 months ago Please sign in to give a compliment. Please verify your account to give a compliment. Please sign in to send a message. Please verify your account to send a message.

[Salim]

there is a debt on my credit report that i know is not mine how do i get it removed... Of course you can! Many of our readers(even yours truly) have cleared up a few blemishes on their reports. And by the way: everything a credit repair clinic can do for you, you can do for yourself at little or no cost. That being said, we know that sometimes people feel overwhelmed with the process and want to ask a live person a question if they get stumped. If you do, you can set up a paid consultation with one of our counselors for a small fee.Make sure you also read our article, "The 5 Biggest Mistakes People Make in Credit Repair". We've also started a FREE credit repair video series.What the information provided in this page does is help you fix ERRORS on your credit report and clean up those "questionable" items. While no one can legally remove accurate negative information from a credit report, the law does allow you to request an investigation of information in your file that you dispute as inaccurate or incomplete. On the other hand, *nudge* *nudge*, *wink* *wink*, it is perfectly legal to challenge ANYTHING on your credit report. There is no charge for requesting an investigation. The whole key to the credit repair procedure is that if the credit bureaus cannot verify information on your credit report they must remove it. For instance, if a credit bureau cannot contact a collection agency which is reporting a collection on your report, they cannot verify the information, and the credit bureau must delete the entry. Let's meet Edouardo.Edouardo?s StoryEdouardo?s car, a hand-me-down from his father, is ready to give up the ghost. His girlfriend, Charisse, suggests he try to buy a newer car, though he is reluctant to spend the money. Although Edouardo makes a great living, his credit is in terrible shape due to a large number of unpaid medical bills, the result of an accident. Edouardo has seen advertisements in the local paper for credit repair services, and wonders how easy and how expensive it would be to fix his credit. Charisse makes a few calls for Edouardo looking into credit repair agencies and is suspicious of them. Besides, she once successfully disputed a late payment on her credit report. Edouardo and Charisse decide to see what they can do on their own to fix Edouardo?s credit.Basic Credit Repair StrategyThe basic strategy to repairing your credit is as follows: 1. Get and review your credit report. 2. Analyze your report. 3. Make a list of all items you consider to be questionable or negative. Clearly identify each item in your report that you dispute, explain why you dispute the information, 4. Write a dispute letter bureaus. 5. Send the letter to the credit bureaus. Make sure you send it registered or certified mail. 6. Document your efforts.Record when you sent your letters, and the results. 7. Wait for the bureaus to investigate your claims. 8. Analyze the results. 9. Repeat. 10. Specialized techniquesWas the item deleted or changed to your satisfaction? You may continue steps 1, 2 and 3 above until you feel the dispute is settled satisfactorily. Remember, there is no charge for a reinvestigation. If you don?t get the results you want, dispute the listing again. 11. Free Sample Letters 12. What if a removed negative item comes back on my credit report? 13. What if I get stuck and need help? 14. Eduardo's Results 15. Feeling overwhelmed by this process and think you don't have the time? You do!That's all there is to it. Seems easy enough but you must have patience, because the credit bureaus are not always very cooperative. They make their money by providing credit reports to lenders not by fixing bad information in their databases. Sources: http://www.creditinfocenter.com/repair/Repair.shtml sekar 47 months ago Please sign in to give a compliment. Please verify your account to give a compliment. Please sign in to send a message. Please verify your account to send a message.

[Kalvin]

Enquire about the same with the company which has reported the debt. Send an application in the written form asking them to clear it off as you do not owe anything to them with all the documents of proof. Secondly, there may be a chance that the credit report is showing some error. Thus you can try Freecreditreport.com to get a new credit report free of cost just to find out the inaccuracy in your report.   creditreport18 20 months ago