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Question By
Lizzy98

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Dispute a collection that you never had.
Do I contact the credit bureau via phone first or immediately write letter? Anything specific the letter should say?

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Letter

I would utilze snail mail as much as possible.  You want documented evidence of a letter (certified letter, approx. $4.80 for postage).  Depending on the nature of the dispute, you may want to also write to the collection agency as well.  

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You can write a letter or possibly even dispute online, but don't do any financial negotiation by phone.  If it should go sour, you want to have record of what you said and what they said. And always dispute every bit of wrong information showing on your credit report.

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You can contact them online, by phone or mail them a letter. What you will need to have included in your correspondance is your report number (which will be on your report from the bureau), social security number, birthdate. You will also need to provide the name of the collection company as well as any account numbers or partial account numbers listed for that account if there is any. You will need to inform them the reason why this account should not be on your report and provide any copies of paperwork that support your claim, if you are mailing a letter in. If you do it by phone or online then they may request you to send any supporting documentation.

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