I Disputed A Debt And Won! Here’s How I Did It

One of the frustrating things about improving your credit is that once collection companies see that you have turned over a new leaf and are becoming more responsible they will try to get in on the carry through .
back in February I was performing one of my routine monthly credit report reviews and noticed that there was a newfangled collection detail on my report. not only was there a newfangled token, but my score dropped significantly .
I discovered it was an old T-Mobile debt from 2008. They said it was a serve termination charge for a T-Mobile account that was overt for 21-days. I asked the charwoman if her company offered pay for erase and she said, “ No, we aren ’ deoxythymidine monophosphate allowed to do that. ” I reminded her that by jurisprudence, they are able to do that. She continued to insist that they were unable to do it, but obviously she didn ’ t know who she was dealing with .
I did not recognize this debt, but I honestly would have paid the debt had they agreed to a give for erase. Since they wanted to be difficult, I had no choice but to open up my arsenal.

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I wrote them a debt solicitation dispute letter. By law a company has to verify a debt once a consumer requests a confirmation in holy order to continue to collect on that debt .
When dealing with debt collectors it is authoritative to do all of your communication in writing. They much renig on agreements, sell debts you are presently paying, and practice a host of other unethical processes. While it may be commodious, do not do the on-line dispute. In central for convenience you waive your ability to re-dispute if it doesn ’ deoxythymidine monophosphate come back in your favor. I will besides say I have never won an electronic challenge, but I have won 75 % of my written disputes. Below is an exemplar of the letter I wrote ( sans my personal information ) :
Enhanced Recovery System
8014 Bayberry Road
Jacksonville, FL 32256
NYC Department of Consumer Affairs License # xxxxxxx
rhenium : Account # xxxxxxxx
Dear Enhanced Recovery Services
On March 1,2014 I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and New York City Administrative Code ( incision 20-493.2 ). New York City regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of New York, confirmation requires all of the follow :

  • Proof of my agreement to pay the original creditor
  • A copy of the final account statement issued by the original creditor;
  • A breakdown of the total amount due, showing principal, interest, and other charges; and
  • For all other charges, the date of and the basis for each charge.

I dispute this commission because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. furthermore, this debt appears to be past the Statute of Limitations.

Because I am disputing this debt, you should not report it to the accredit report agencies. If you have already reported it, please notify the credit report agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act .
digression from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of New York ( section 5-77 ) require that you honor this request .
sincerely ,
Tonya Rapley
two hundred : enhance Recovery Systems
Federal Trade Commission Consumer Response Center
New York City Department of Community Affairs
I also sent a credit report dispute letter to the bureaus that were reporting this debt. You can find an example here.
2014 Brisbane International - Day 6
Within two weeks I started to see things happen .
I received notice of reception from the NY Department of Consumer Affairs and I received a corrected report from one of the chest of drawers. I didn ’ deoxythymidine monophosphate receive a letter from ERS but I checked my report this calendar month and the debt has been removed and my score is back looking like its common self.

I beat them at their own plot .
As consumers we have herculean protections available to us, but solicitation companies profit off of our miss of cognition and you won ’ thyroxine perplex answers to the questions that you don ’ thyroxine ask. The compensate and dispute march is the “ C ” part of my S.C.R.U.B Method : A 5 gradation serve for citation self-improvement. I will provide dance step by gradation instructions for the entire action in my approaching book .
If you are matter to in receiving the book make sure you sign up for our weekly mail number so you will be one of the first to know when it ’ randomness released .

Have more credit questions? I’m hosting a free webinar this week.

source : https://www.peterswar.net
Category : Finance

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