HellBill » Hell Bill Area: » Bill Collectors » collections to remove old items off credit report

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  #1 (permalink)
: I recently received a copy of my credit report and found 2 errors. One was an old Verizon acct that I'm SURE I haven't used in 8-9 years but is still on my credit report via collections agency. The collections agency lists the date of last activity as march 2009 which is at least 5 years later than the actual true date of last activity. The next error was due to an emergency trip to the dentist. I was called about 8 months after the visit and told I owed a balance of $70 for missing a follow up appointment that I never made! I was in extreme pain on the day of the visit and remember I was desperate to exit the office so I could get my pain meds filled asap. I KNOW I told them I'd follow up w/my regular dentist when they asked about an appointment. I'm not going to be bullied into paying this! What can I do to get these items removed? Are there any laws in place that may help my case? Suggestions please and thank you!

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  #2 (permalink)
: The first one you ask for verification of the date of the account - if the account went into default 8 or 9 years ago, they cannot re-age the account and will have to verify that there was actual activity in March, 2009 or remove the account from the report (you can dispute this through the credit bureau).

The second one may be a bit trickier since you may have to prove that you did not actually miss a followup visit and it is hard to prove that no appointment was actually made.
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  #3 (permalink)
: You can ask the bureau for verification of the Verizon bill. It may be that they are counting the last time you talked to the collector for this overdue debt of yours. If they cannot or will not verify the information, the bureau will remove the item. They are way past any statute of limitations to sue you for this bill, so that probably won't happen at this late date. But they may be able to keep the unpaid collection on your record if the verify the debt.

The dentist bill is going to be harder to get out of. You may end up spending more than $70 of your time and effort. Pick your battles, and if all it will take to show this as a satisfied account or collection is paying $70 then just do it and be done with it.
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  #4 (permalink)
: You can offer the dentist $70 for a pay for delete (get it in writing). Or ask them in writing for validation of the debt.

contest the Verizon item with the bureau.
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  #5 (permalink)
: Date of last activity makes no difference to the reporting period. Negatives age off your credit report based on the default date. Dispute the Verizon bill as being beyond the reporting period.

The dentist bill won't be as easy to remove. You can try to negotiate a pay for delete with the collection agency. Expect to pay the full amount. Get it in writing before you pay and don't give the collector direct access to your bank account.
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  #6 (permalink)
: Both of these sound pretty easy to have deleted. I help people with this all the time, so here's how you do it. You send a demand for validation to both of them using certified mail, return receipt. Demand they show you proof of the debt. (I go into this more in detail on my blog, but this is a quickie answer). Then, when you get the green cards back in the mail, you send a dispute to the credit bureaus. You don't tell the bureaus every thing you said here. You just dispute based on the error. Also, I don't know what state you're in, but there are not a whole lot of states that have statute of limitations over 9 years. So, you should have that on your side as well.

There are laws to help you. Many states have state versions of the FDCPA (Fair Debt Collections Practices Act) that apply to original creditors as well as collection companies; FCRA (Fair Credit Reporting Act) , state statutes, and lots of case law, American Jurisprudence, oh, so much more on your side!
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  #7 (permalink)
: You can't get collections to remove it.

You may be able to get the Verizon account removed if you send a written letter disputing it to the credit bureau (not the collection agency).

I don't think you will be able to get the dental thing removed.
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