Fair Credit Report Laws
2010
Can this be removed from my sister’s credit report?
My sister is fresh out of college…no credit history except for student loans that haven’t started billing yet. She went to get a car loan, they ran her credit (expecting nothing to come up) but instead she had 2 collection agencies/law offices after her for like $600 total. So she calls the law offices and it turns out to be a bill from a hospital stay in 2008. Problem is, she never once received a bill! The hospital was billing an address that doesn’t exist! They gave the collection agency the same address and they say they have never received returned mail. My sister paid it immediately over the phone, but now she’s stuck with this on her credit report and she’s besides herself.
I told her that she can dispute it on her credit report. But, being that the debt was actually accurate…can she do this? It doesn’t seem very fair being that she was never notified of the debt in the first place and the address they sent the bills to really does not exist.
Any suggestions/comments?
She needs to call the hospital ( or better yet, go into the facility) with her correct address and if it’s different than the one she had at the time of the hospital visit, have that one too, so they can see it was their own error. If the hospital “calls the bill back” from the collection agency, they will remove it. She just needs to prove it was the hospital’s error.
Cole’s Credit Repair Secrets to Managing your Debt How to increase your credit score
|
|
Fair Credit Reporting (7th ed. 2010) $160.00 Detailed Analysis Fair Credit Reporting is the definitive resource for handling any type of credit reporting issue, from cleaning up blemished credit records to suing reporting agencies and creditors for inaccurate reports. Covers the Fair Credit Reporting Act, the new FACTA changes, identity theft, creditor liability for failing to properly reinvestigate disputed information, credit scoring, priv… |
|
|
Giving notification where it’s due. (amendments to Fair Credit Reporting Act)(includes related article on timeliness of records): An article from: Security Management $5.95 This digital document is an article from Security Management, published by American Society for Industrial Security on March 1, 1998. The length of the article is 1678 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.From… |
|
|
Regulating the credit reporters.: An article from: State Legislatures $5.95 This digital document is an article from State Legislatures, published by National Conference of State Legislatures on April 1, 1993. The length of the article is 2505 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.From… |
Comment