Rebuilding Your Credit

[Supermommy]

I'm just learning via BBB Asset Acceptance will be deleted!! They cannot validate especially when the company knows their wrong.. Yay!

[CarlyK82]

Most companies will look for a way to settle things, especially when they are a BBB accredited company...however, it is VERY important to note that it is imperative that you always go through the proper channels and methods FIRST before going straight to the BBB. Having the timeline and the steps that you have went through to try and address whatever debt with whatever collector is REALLY important.

[Supermommy]

I tried going thru them and got "no-where".!

[Shogun]

Congrats supermommy!

[Mishwatson]

supermommy can you give background info?

[lks638]

I just got a reply from Asset Acceptance as well after submitting multiple complaints and letters, they have agreed to cease all activities and remove the tradelines from all three credit bureaus!

[Mishwatson]

Me 2...   This must be in the air!!!! Congrats!!!!

[admise78]

I just got a response from Asset acceptance as well to complaint I submitted to the BBB.  They decided to stop all collection activities on the account and request its removal from my credit files!!!!!  My question is do they truly follow with the reporting agencies and actually request the removal of the tradeline?

[admise78]

If you want to get a positive response from them, you must file your complaint properly and show steps you have taken that solidify your complaint.  For example call the OC and get the name of the rep and the rep employee number.  Recorded the date and time of that conversation.  download a record app into your phone to record your conversation.  State the exact violation of the FCRA they are in violation to.

Example:

I am writing to place a complaint against Name of company  for conttinue to report and update account # XXXXXXXX to my credit files to the credit reporting agencies without proper validation that the debt is mine.  I called XXXXXXXXXX and spoke to XXXXXXXX with employee IDxxxxxxxx as they state and was told they have no record of the debt.  yet, XXXXXXX continues to update and report this account.  This is a violation of the FCRA.  How can they continue to update this account without validation. 

I got a response that they will request deletion within 5 days after placing my complaint via BBB.

Good Luck!!!

[guiness56]

Congrats OP!