It's not only the final result which was removing late payment on my credit... Ok let me tell you my story: I let my account fall behind and my service was cancelled. First, he was very proactive and responded very quickly to my voicemail.

You can dispute credit inquiries that are questionable and improve your score by getting them deleted. Hi Vincent Depends on how old the account is, look up the statute of limitations for debts in your state. Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Any advice on getting that account removed off my credit report all together? Then check on each bureau if there’s been any deletions or any accounts showing they ‘”under re-investigation.”. Any suggestions on how to proceed?
How Does the 623 Dispute Method Work?

That’s covered in sections 611 and 623 of the act.


Here is the law which enforces the fact that you must dispute with the credit bureau first: § 623.

Hi Daniel, re-aging is not that simple to spot.

Do contact them, and talk to a live rep. If you see that each of the 3bureaus are reporting different late payment dates, then you can try to dispute the accounts under the incorrect payment history You exercise your right under the FCRA Section 609 and Section 604  to request a method of verification. Sorry I am not clear on the response. What is the exact procedure when you want to dispute things with the original creditor? Hi Josh, I have a blog post and a special letter for that , refer to my blog page for that. Hello Ali, can you please update this to demonstrate how to remove inquiries ? (i) IN GENERAL- This paragraph shall not apply if the person receiving a notice of a dispute from a consumer reasonably determines that the dispute is frivolous or irrelevant, including--, (I) by reason of the failure of a consumer to provide sufficient information to investigate the disputed information; or. For example, if you had an unpaid medical bill while living in California which has been turned into the credit bureau, but are now currently living in Minnesota? Sample Credit Report Dispute Letter. One way to find out is if the mortgage statements reflect your name. Hi Johanne, thanks for sharing and reaching out. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN#. Sometimes the bureaus won’t sending you the investigation results, as  they may deem your identification information incomplete. Once I received the default letter, I immediately worked with the collection agency and started a loan forgiveness program where if I paid 9 consecutive on-time payments, in good grace they would remove my default status. § 1681I), I am practicing my right to challenge questionable information that I have found on my personal credit report. Consumers are at a disadvantage every time they do this. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. You haven't provided enough information for the creditor to conduct an investigation.

Since then, a collection agency bought that account and is reporting on my credit report (since 2016).

Why did I receive a letter from the collections costumer and not the credit reporting agencies?

HI Mary, late payments require a different strategy, read this blog post regarding how to remove them: https://imaxcredit.com/how-to-remove-a-30-day-late-payment-from-the-credit-report/ Experian is now reporting the delinquency as 2014 for one, and 2015 for the other. Is this true?

Is it possible to remove that account all together??? Older collection accounts: Or for re-aged collection accounts, you’ll need a debt validation letter, where you challenge the debt with the debt collector first.

Click on any one of them to open the PDF file, although we do ask for an email. It will take attention to detail, but if you’re have the time to learn, this will pay-off.

Ali's advice is clear and concise. Credit Inquiries: Requests for your personal credit report, aka credit inquiries, are recorded by the credit bureaus and kept on record for 2 years.

If you live in California, creditors can sue you for up to 4 years from the time you defaulted on a debt. 2. You need to send a letter to the company's legal department informing them they are in violation of the FCRA and you intend to sue if they do not remove the listing. This effectively resulted in my score dropping 159 points.


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