Quote:
Originally Posted by cjain  Trish,
The procedure i wrote is the way i removed a collection charge on my credit report.....what is there to be confusing!!
Sometimes CA are fraud that is why you need to send the copy of the recipiets to CA along with the letter they sent you as a proof that you paid to them. Sometimes CA do not remove the charge that is when you file a dispute with Transunion/Experian/Equifax.
I didn't have to go through Transunion, the charges were removed immediately. But a friend of mine did the same procedure and his charges were removed after 2 months. So i would say it depends!!!
Thanks!! |
What's confusing is the way you wrote it. It's still confusing.
If "CA are fraud", you don't need to send them copies or proof of anything.......you report them and file complaints for being "fraud" or collecting on a debt they are not allowed to (I'm assuming this is what you mean by fraud). That's breaking the law.
And of course some CA's don't removed accts from your CR.......that's the norm. Disputing them with the CRAs doesn't get them deleted that easy. You will be lucky if that's all it took...
So if that worked for you.......that's great. It's just not always that easy.