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Art3mis

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Collections dispute??
I have heard that if you dispute something in collections by saying something like account closed that it works and it goes away. Is anyone familiar with this type of thing?

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To file a dispute, you must write a letter to each of the credit bureaus.   You can write the same letter, just change the TO in the letter.   You can dispute for various reasons.   If you dispute ownership and the firm does not validate the ownership of the debt, the item will disappear from your report.  If the item is over 7 years old from the reported date, you can dispute based upon the time and this too would disappear from your report.   If you dispute the status and the account is closed, this will not remove it from your report, it will only change the status of the account.  There are multiple articles on here as well as on the internet itself about disputing items on your credit report.  You will see items about form letters, you don't need a form letter, just a letter, clear and to the point as what you are disputing.   The process usually takes 30-45 days to complete.

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