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
BarristerDad118

0 Contributions
0 People Helped
Why Do I have An Account just sent to Collections that I don't understand?
I just learned CHOICE RECOVERY has sent something for a piddling $75.00 to collections. UGH! This is the first I have heard of it! I am just FINALLY getting my score on a higher trajectory. How can I resolve this quickly without delay

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
7365 Contributions
3809 People Helped

Was this on your Credit Karma record or were you sent a letter?  Makes a difference.  If it was on this site, first go to annualcreditreport.com and order all 3 credit reports.  They are free.  Go over them thoroughly and note any errors such as accounts you have never heard of.  File a dispute on each error with the credit bureau reporting same.  They have to investigate and either verify or delete the item.

If you received a letter regarding this account, send them back a letter asking for validation of the debt as required under the Fair Debt Collections Practices Act.  Send this letter via certified, return receipt required.  For your personal information, the proper validation of debt is a copy of the signed contract that shows your signature.  Most collection agencies cannot do this, so the debt has to vanish.

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.