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Useful Tools to Help Your Clients With Debt Issues - FREE TEMPLATE LETTER - Demand Negative Credit Deleted After Insufficient Validation

By Corey Gray

Services for Real Estate Pros with Credit Assistance Network LIC: 14-00056886

January 25, 2011 02:00 PM

This letter is demanding the removal of negative information removed after no response from previous validation demand. Only use after debt validation was insufficent.

Courtesy of Credit Assistance Network

You can find more useful tools to help your clients with credit and debt issues at http://www.CreditAgenda.com

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To Whom It May Concern:

I am enclosing a copy of the letter that I mailed you requesting that you verify the alleged debt your company claims I owe. More than 30 days have passed and I have not received proof that you have validated the debt.

Therefore, in accordance with section 1692e(8) of the Debt Collection Practices Act, which states that any information that is “false, deceptive or misleading” cannot be reported to any credit bureau, I request that you immediately delete this false and misleading information from my credit report.

Please send me a notice showing I owe nothing and that you have deleted this bogus item from my reports.

Sincerely,

John Doe

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Jon Zolsky, Daytona Beach, FL

Daytona Condo Realty, 386-405-4408 - Daytona Beach, FL

Buy Daytona condos for heavenly good prices

Corey, thanks for the template. I once had a weird experience. A mortgage broker ordered the report through a company they always get it from (I just do not remember the name). And there was information about Capital One account, and it was delinquent. And it affected the score.

The funny part was that we could not remember ever having Capital One account, not could we find it in credit reports done a few year ago. So, we called Capital One, and after all the searches and everything, they confirmed that they have no record of us. They did not find us.

So we called Transunion, and they said they do not have that info. However, the credit report we got shows that this info came from TransUnion.

I called the mortgage broker and he said that it is not a problem, we just need to pay $150 to this processing comany that sent the report and they will deal with it.

We did not do it.

Jan 25, 2011 02:15 PM

Corey Gray

Credit Assistance Network - Boca Raton, FL

CEO, Credit Assistance Network Inc.

This is a very common occurrance, specifically with Capital One, they regularly reports erroneous info and claim they didint.

The credit bureaus and creditors often make mistakes that cost consumers big time. Thats exactly what my company does, we challenge the integrity of every item on our clients credit reports to esure its accuracy.

Often a simpe dispute letter can help resolve problems like this. In fact, we have a free credit repair kit for minor problems such as this, you can find it located on my Financial Advice Forum here: http://www.financial-advice-forum.com/free-credit-repair.php.

If it turns out there are serious problems and your client needs professional help, we can help with virtually any situation. Take a minute to check out our website www.CreditAgenda.com and also ourt affiliate program at www.MyCreditProgram.com. We can help your rejected loan applicants solve complicated credit issues, we pay you for the referrals and we also allow you to track their progress!

Thanks for the reply Jon, glad you enjoyed the post.

Jan 25, 2011 02:27 PM

thank you, Corey. Let me read the e-book and see if that's something beyond what I know. Thanks

Jan 25, 2011 02:46 PM

The free credit repair kit: http://www.expert-debt-advice.com/resources-free-credit-repair.html is a very basic ebook for consumers to use. For complex issues, our credit improvement services is recommended.

Jan 25, 2011 11:56 PM

Anonymous

Richard Nightingale

Thanks for the letter! just sent it off to the bureaus.

Feb 06, 2011 11:20 AM

Useful Tools to Help Your Clients With Debt Issues - FREE TEMPLATE LETTER - Demand Negative Credit Deleted After Insufficient Validation

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