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 Report
Profile Image

Question By
monkeybear87

3 Contributions
1 Person Helped
What do I do next if a debt collector cannot locate information I've requested?
So I've sent out validation letters to debt collectors as I'm trying to fix my credit (as well as better managing the debt I have that I'm confident is mine). I received a reply from one company stating they could not find an account for me and I need to call giving them more information. Could it be possible they do have it and if it was under my maiden name they weren't able to locate it? I addressed myself using my married name. Or should they still be able to locate it?
Also, once the 30 days passes with no response, or I receive a reply such as this (not being able to locate an account with the debt collector), what are my next best steps to take?
Thank you for your time and help.
-Emily

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
12 Contributions
88 People Helped

next step

it looks like your next step is dispute the info to the credit bureaus.  if they cant find the info, they are going to have to report that to the credit bureau which should take it off the credit report

Top Contributor
7353 Contributions
3808 People Helped

If the debt is not validated properly, it is not collectable.  Anything on your credit report that isn't yours, should be disputed with the reporting credit bureau. The accounts should be available under your social security number (which is the identifier on reports) so there should not be a problem finding legitimate account records.

Results 1-2 of 2Results 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.