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Credit Circle
1.4k members • Free
Credit Collective (FREE)
766 members • Free
5 contributions to Credit Circle
Oct '24 •
Debt collector
Just check my other email and apparently I been getting emails from them that I’m just now noticing and I think they been calling cause I recognize the name from the caller id I been getting. What do I say to this?
2 likes • Oct '24
Personally for me if it is not on my report honestly I don’t do anything. But with the debt validation they have to provide you with a contractual obligation and agreement with them.
1 like • Oct '24
There is also video in the classroom that will help you create a letter.
Oct '24 •
Collection Accounts
It seems like I don’t have any problems getting Collections removed from Experian. But the other two bureaus are giving me the run around. Has anyone been successful in getting collections removed from Equifax and TransUnion?
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Sep '24 •
Collection Item
I have tried to dispute my collection items with 15 USC code multiple times. It keeps coming back valid. I received this when trying to dispute a collection item just recently, What do I do in this case?
1 like • Sep '24
For my collection accounts I never dispute online. Certified mail. And I have had them removed
0 likes • Sep '24
@Chantel Queen it can get a little pricey to send out certified but I have had success with removing a bankruptcy and collection accounts and some other stuff.
Sep '24 •
Personal information
I recently disputed the old addresses on my TransUnion and Equifax accounts. But they removed my old and current addresses and listed addresses over 15yrs old. None of the accounts I am disputing are connected to those addresses. Should I leave it alone until I finish my disputing?
2 likes • Sep '24
Okay, gotcha. That’s what I did as well. Thank you
Sep '24 •
How do you freeze all of the secondary bureau's?
I have heard it's more effect to freeze the secondary bureau's when attempting to repair your credit.Any leads on how to do them all on one site?
1 like • Sep '24
Unfortunately there is no one site that allows you to do this. You have to do each site individually.
1 like • Sep '24
I did the freeze before I started disputing
1-5 of 5
Active 124d ago
Joined Aug 20, 2024