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Question By
hncrain

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Removing items from your credit history
I've seen a post traveling the internet that sayss once your account has been sent to collections that you can dispute it by saying the contract was cancelled then in the dispute comments saying there was no contract and that this can get some items removed from your credit. It came from this site but I was wondering how valid this information is.

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You can only dispute WRONG items on your credit reports, and those items being disputed will be checked and validated if they are correct. If an account of yours has gone into collections, it is due to your irresponsibility and you just have to suffer the consequences of your actions.

Reply by
bwaveteran

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Enter Your Reply actually your half *** knowledge knows no bounds, you can dispute cancelled contracts that shouldn't result in collections depending on what type of contract it is...if it's like a sprint or Verzion cell phone contract, then no it cannot be deleted because it's says on those cell phone contracts that cancelled services or lack of payment will result in collections on per say credit report agency. I had a no contract cable provider that sent a past due to collection under "cancelled contract" action and I disputed it for false reporting and it was removed. 

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