Just My Random Stuff Just some hopefully useful, yet random posts from my own experiences, that nobody ever told me about before.

Credit Report Errors – How to fix them?

So to start, I am no expert, but I have read up a lot on some of the best methods to fix credit report errors.  Here's an example I am working on currently.  In April of this year, when randomly checking out my report from Experian, I noticed a new collections account.  It was entered by National Recovery Agency (whoever they are) supposedly for a balance due to Columbia House (dvds?) some many years ago.  Well first things first, this is a bunch of crap, I don't owe money to Columbia House, and if I did, why wait over 5 yeras to put my account in collections, while never attempting to contact me?

So I start the process.  I send a letter to National Recovery Agency (NRA) via USPS.  I also submit a dispute via Experian.  USPS cannot deliver the letter, for reasons I still have not been able to figure out, and Experian reported back "validated" which means it can stay on the report.  Funny, I still have not received any communication from NRA.  So I send the same letter via UPS 2 day ($17 thank you).  They deliver it and according to the Fair Credit (FCRA) rules, I have to give them 30 days to respond to me "validating" the debt.  Well today is day 30, and no response.  Since I have been waiting, I again filed a dispute with Experian, and they "validated" the debt again.  So now what?

Well, now it gets fun.  Now I get to write a letter to NRA telling them that according to FCRA they must pull the account from my report immediately or I get to sue them.  And Experian will get a letter stating that I sent a request for validation, never got a reply, never got any communication, so therefore, Experian needs to prove to me how NRA validated the debt or pull the listing.  Either way, I see myself going to a credit attorney on this one.

More to come on this issue in about 30 days.