| By what I can tell, in the year an a half I've been | | | | phone has the authorization to collect from us. An |
| reading and learning about credit, there are legal steps | | | | internal record is not proof. They must possess an |
| you can take to fix credit history. That being said there | | | | actual contract from the original creditor. If they don't |
| is also one option I've read about that sounds good but | | | | they have to halt all collection efforts. There's also |
| might be more risk than a solution. | | | | re-aging violations and other good legal tactics you can |
| Legally, you can dispute credit issues, for many | | | | use to have them remove any derogatory information |
| reasons and in different angles. The more specific you | | | | they've placed on the credit report. |
| are with your dispute letter the better if performs. To | | | | The option that seems to be a little on the gray side |
| fix credit history in this manner, you'll have to learn a bit | | | | for me is the option to use an EIN number to not fix |
| about credit and credit laws. Laws that are in place to | | | | credit history but create a new identity. I know they |
| protect the consumer. For example, when dealing with | | | | advertise it's legal but if you look into the correct use |
| a collection company, you can take several different | | | | of an EIN number it can be a gray area. EIN numbers |
| route's to derail their attempts and have them remove | | | | are usually for entities. How that applies to an individual |
| what ever negative information they've placed on your | | | | I don't exactly understand. I'll stick to the safer option |
| credit report. | | | | above. |
| One example of this is to request from the collection | | | | There are many other tactics used to fix credit history. |
| company proof that they can collect from you. This | | | | In my opinion, something like creating a new identity |
| technique takes the usual dispute letter much further. | | | | with a tax id number would be the last option. If it |
| Fixing your credit history becomes easier when you | | | | carries the risk of landing me in jail or having the |
| understand the laws. It does make sense to ask this | | | | burden of defending myself of legal problems, I'm |
| question. Many times we assume, the collector on the | | | | probably going to stir clear of it. |