Anne
Valencia,#2Consumer Suggestion
Sun, November 27, 2005
First, everyone needs to educate themselves about the "Fair Debt Collection Act". Look it up on the internet search engines, it is a LAW. Now that you know what collectors can and cannot do, if the debt is from over 7 years ago, write a letter to both collection agency and each of the three major credit reporting agencies. DEMAND that they remove the alleged debt, AND don't forget to quote the Fair Debt Collection Act. Make them aware that you know your rights! You also have a RIGHT to have the three major credit reporting agencies file a "consumer statement" in their credit report(s) to make potential creditors aware of your rebuttal to a specific debt or other derogotary info. in your credit report. Best of luck to you~