C validating a credit card
If Trish can figure out which collectors she actually owes, and can resolve the debts with them, then she can send letters to the others explaining that she has paid the debt, adds Valentine. Even if Trish pays the debts she owes and tells the other collectors to take a hike, she’s still got 14 collection accounts on her credit reports when her reports should only list three.Is there any hope of getting all the others removed?Another option is to file a complaint with the Better Business Bureau and/or state attorney general’s office consumer protection division.
“That’s double the damage and is not permitted,” he says. She says she’s spent countless hours trying to figure out who she owes, and how much she owes, so she can pay the balances and put this behind her.This dispute then requires the debt collector to list the account as disputed on the credit report, a notation that reduces the harmful effect of the trade-line on the consumer’s credit score.If the debt collector fails to mark the account as disputed, the consumer has a cause of action under the Fair Debt Collection Practices Act (FDCPA).” If these steps don’t help Trish figure out which collection agencies she should pay, she can talk to a consumer law attorney for help.Your credit report lists a charge off, which is very negative.
Then the creditor sells the debt to a collection agency who also reports it as a collection account.
None of the attorneys I consulted thought she would just have to live with the situation.