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