John
Louisville,#2Consumer Comment
Wed, June 09, 2010
Dispute directly with the credit bureaus:
Per the Fair Credit Reporting Act you have the right to request written validation of negative entries on your credit files. Per this law they must validate the item(s) or remove them from your credit file.
Mail a letter via certified mail with return receipt to all three credit bureaus (Equifax, TransUnion & Experian). Include a photocopy of your driver's license and social security card...If you don't include these, they may write back requesting them, which would slow the process down by several weeks. In your letter, simply state:
Per the Fair Credit Reporting Act, I am requesting written validation of this item. This debt defaulted 10 years ago and it cannot be re-aged to restart a new 7 year cycle of bad credit. Per the Fair Credit Reporting Act, I am requesting validation of the original date of the first delinquency.
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