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Question By
LGilbert68

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30 days to respond
I sent dispute letters to some creditors this week. they have 30 days to respond but from what date?

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Top Contributor
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Wrong Approach!

You should have not sent the letters to your creditors! Only to the Credit Bureaus like Transunion Experian and Equifax. Now you've just armed your creditors with an insight on what you are trying to do.

Reply by
joanna1950

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hello you seem to have some knowledge

i just received a letter from a debit   15 years ago , from a collection agency, and i live in oregon where all debts are 6 years collection only,    its from a company called convergent and they want me to respond within  30 days, or its considered a new debt should i respond,   you mentioned sending letters to the three collection agencys , but its not on my credit report for many many years, can they just put it back on ,   

thanks joanna

Top Contributor
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30 days from the postmark on the letters.

You did right, if you really have a legitimate case. If the creditors agree with you then you will get errors corrected quicker. Once you send disputes to the bureaus then the creditors can no longer talk to you to resolve issues. If you can work it our with the creditors then all the better. However, if you are totally wrong and do owe the debts then you just started the clock over from aero by contacting them.

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