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midwestminimods

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do collections need to show proof/signature that the bill is mine
i have a few of these that are on my report i dont think they are mine also i have noticed the same bill is getting sold to different companies and it ends up on my report for another 7 years every time it gets sold how can i fix these

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The removal date dose NOT change regardless. It goes by the Date Of First Delinquency, it's usually last time you did not pay that lead up account being delinquent. No matter how many times the account been sold, no matter the open/close date, no matter the last activity date or whatever debt collectors might tells you, the reportable date of 7 1/2 years from DOFD dose NOT change.

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You can ask for "debt validation" from collection agency directly, however they do not have to respond after 30 days from when they send you the dunning notice. You can alway dispute it thru CRA, there was a report that only about 20 percent of accounts in collection have paper work with them, more it change hands? The less likely it would have paper work with it.

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as far as I understand and have experienced is if you do not think it is yours then dispute it as "i have no knowjedge of this account" if the creditor cannot produce the proof it is yours the reporting agency must removed or delete either way.

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