Experience Credit Report Agency
2010
What should I say in a letter to Amex requesting that 2 paid collection items be removed from my credit report?
Both collection accounts have been paid in full, so I know there is no negotiating with the collection agency at this point and I should have negotiated this prior, but what is done is done. So, please do not write that. I also know some of you will say that these items will not be removed for several years, but I know that is not true, because CitiCards took two paid collection items off of my credit report when I asked. Would someone please recommend what I should write exactly in my letter to Amex that might be more persuasive? Amex is not very amicable in my opinion and from what I have heard from others. Citicards on the other hand is. So, if you have experience and can pass on any advice on how to deal with Amex, I would appreciate it very much.
Accurate negative information can be reported for 7 years….They are not obligated to remove accurate information from your credit files…The items will have to fall off naturally in 7 years….sorry.
What you can do is request validation directly with the credit bureaus and hope that they can’t validate:
Per the Fair Credit Reporting Act you have the right to request written validation of negative entries on your credit files. Per this law they must validate the item(s) within 30 days or remove them from your credit file. Mail a letter via certified mail with return receipt to all three credit bureaus (Equifax, TransUnion & Experian). Include a photocopy of your driver’s license and social security card…If you don’t include these, they may write back requesting them, which would slow the process down by several weeks. For each negative item, write a separate letter and simply include the phrase:
Per the Fair Credit Reporting Act, I am requesting written validation of this item.
Do this one at a time for each negative entry….DO NOT request validation for all items at one time.
There is NO guarantee that this will work….It may give some decent results. The worst that can happen is that all negative items come back verified.
Digging out from $80000 in debt
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