Negative credit due to identity theft can be removed with the help of the Federal Trade Commission
Charge-Off Notification: Do creditors have an obligation to notify you directly when they close an account for late payments or charge-off an account?
Requesting debt validation does not always lead to getting that information from debt collectors. But can unverified debt be removed from credit reports?
The time period when a negative account should be removed from reports is 7 years and cannot be restarted by a creditor or collection agency.
Midland debt collectors do not always respond to debt validation request but you do have options.
Even though a collection agency cannot report a negative account beyond 7 years, they can still pursue you for an unpaid debt.
If you are sued by a debt collector, the first and most important thing to do is contact an attorney and prepare an answer within the proper timeframe – Otherwise, the debt collector can a obtain a judgment against you without having to prove their case. Question: I received a summons for an old account…
Consumers have a better chance at getting inaccurate items deleted from credit report when disputes are based on factual errors.
Can a company run your credit with just the last 4 digits of your social security number and does giving them a partial social security number count as permissible purpose.