Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Karma
Profile Image

Question By
TaylorP61

12 Contributions
17 People Helped
How Do I list Remarks on a Collection Account
If I have disputed a Collection and the Bureaus say Its Trivial, and they will not further Investigte and I know the Debt is Not mine, How do I get it off My report or Note to the Report myself, I never authorized this Activity

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
1884 Contributions
3672 People Helped

You can file a personal statement

write a letter to the Credit Bureaus with a personal statement. That will give you a chance to explain yourself while you work to get this off your report.  Of course I would not suggest appling for credit in the near future, while this is still on your report.  Never apply for credit if you are not fairly sure you would be approved.

If, indeed, you know the account is not yours, Write a "Validation Letter"  Google it for a template and more info on how they work.  A validation letter is directive to the lender requiring them to provide proof that you owe the debt. This can require them to provide original documents showing your signature when opening the account and proof that they have the legal right ot collect it.

No account is to "Trivial" to investigate. Be sure to put EVERYTHING in writing, Mail EVERYTHING Registered mail, Return Reciept Requested.  Talking to them on the phone is a waste of time because it does not have the legal weight that written communications do.

Good Luck

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.