Get All Three Credit Reports
2010
Just pulled all three credit reports, do I dispute with the credit reporting agcency or the collection agency?
just trying to get my credit score up about 70 more points to qualify to buy a house.
Uhh.. nooo.. the credit bureaus don’t have to prove you owe anything.
If there are errors on your reports, you must FIRST dispute them with the credit bureaus directly. They have 30 days to investigate and that means contacting the furnisher of the information to VERIFY the account. If the furnisher does not verify, the CRA must delete that tradeline. Unfortunately, they don’t always do what they are supposed to do, and it will come back as ‘verfied’.
In that case, if the collection is NOT valid, you will need to fire off the same dispute letter to the collection agency itself, as is your right per FACTA. They MUST respond to you within 30 days.
If you are disputing the collection itself and you’ve received dunning letters, then you must demand VALIDATION directly from the collection agency, as per the FDCPA. Do NOT confuse this with the above FACTA dispute, they are not the same thing. With validation you are aksing that the collection agency prove that the debt is valid.
You can read more on the validation process at www.creditinfocenter.com and/or www.creditboards.com.
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