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Credit Report and Score<br>Related Legal Information  

Credit Report and Score
Related Legal Information

To better understand the issues relating to your legal situation or problem, our legal information and other law related facts may be of interest to you

 
 

debt Collectors under The Fair Credit Reporting Act.


The Fair debt Collection Practices Act prohibits debt collectors from using unfair or deceptive practices to collect overdue bills that a creditor has forwarded for collection.
 
You can stop a debt collector from contacting you by writing a letter to the collection agency telling them to stop. Once the debt collector receives your letter, the company may not contact you again — with two exceptions: they can tell you there will be no further contact and they can tell you that the debt collector or the creditor intends to take some specific action.
 
A collector also may not contact you if, within 30 days after you receive the written notice, you send the collection agency a letter stating you do not owe the money.
 
Although your letter should stop the debt collector’s calls and dunning notices, it will not necessarily get rid of the debt itself, which may still turn up on your Credit Report.
 
A collector can renew collection activities if you’re sent proof of the debt. So, along with your letter stating you don’t owe the money, include copies of documents that support your position. If you’re a victim of identity theft, include a copy (NOT the original) of the police report. If you don’t have documentation to support your position, be as specific as possible about why the debt collector is mistaken.
 
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Vanquish a phantom debt for good

SFGate
Your consumer rights under the Fair Debt Collection Practices Act give you tools to fight back against collectors hounding you for a debt you don't owe. 1. GET THE ... Finally, check your credit reports to verify the debt is listed as paid. If not ...
Vanquish a phantom debt for good

From Collector: Know the House Rules

ACA International
An important note: if the consumer believes she does not rightfully owe the debt, that's a dispute, which triggers both Fair Credit Reporting Act and FDCPA requirements for specific actions. Property management debt often requires significant ...
From Collector: Know the House Rules
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