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mrskromer

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how do i dispute a collection?
i have a hospital collection on my report that i need deleted. how do i dispute it?

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If it is yours, it can not be disputed, since it is part of your credit history and MUST remain on your credit report for 7 years from "date of last activity) (as in payment).  This is a requirement of the Fair Credit Reporting Act, which is a federal regulation.

NOW, IF IT IS NOT yours, check under Articles on the left side of this page and look for the article on disputes.  That will tell you how to proceed.  If the reports you are looking at is  the report on this site, first thing you'll need to do before disputing is go to annualcreditreport.com and get all 3 credit reports.  Look them over carefully and dispute anything that is not yours with the credit bureau reporting same.  They have to investigate and either verify or delete the entry.

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Incorrect collection

I have directv on my collections and it is incorrect...how do I dispute this collection ?

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