Trying to pay off medical bills in collection... - Page 2

[nataliachick7]

Originally Posted by Satori

You demand validation (NOT verification, important distinction) from the collection agency and dispute with the CB is the easiest way.

I thought you can only dispute stuff that isnt supposed to be there? what if its there cause its supposed to be? can you still get it taken off by disputing with cb?

[Satori]

Originally Posted by nataliachick7

I thought you can only dispute stuff that isnt supposed to be there? what if its there cause its supposed to be? can you still get it taken off by disputing with cb?

You can dispute anything you like on your report.

[nataliachick7]

really? well whats in it for them? why in the heck would they take something off for you if there is a valid reason for it being there?

[Satori]

Originally Posted by nataliachick7

really? well whats in it for them? why in the heck would they take something off for you if there is a valid reason for it being there?

The law is whats in it for them. How do they know its valid? Most credit reports contain errors which you are allowed to dispute under FCRA. If a creditor can not properly validate a debt (and they usually can't) then they legally must stop collection activity and allow it to be removed from your report. Many times they just wont respond to the CB's inquiry and it gets dropped that way. Unless its a pretty recent debt and not something major like a repo/foreclosure/BK you have a good chance at getting it removed if you keep at it. It takes time and can end up being a full time job for a couple months (if your credit is really bad) but having fantastic credit is worth it when your needing to do things like get an apt or buy a car/house ect. The trick after cleaning up your credit is keeping it clean.