New Contributor
Posts: 92
Registered: ‎10-10-2012

Best process for removing inaccurate collections?

Hi, 2 questions please on removing inaccurate collections. 1. I understand you should first send a DV letter instead of disputing through CRAs is this correct? 2. On some of these collections I am fairly certain I did not receive dunning letters. Should I mention this in the first DV letter and request a copy of the initial dunning letter, or is it better to not mention this at first?


Starting Scores: 9/19/2012 EQ 613 / TU 526 / EX 543

Current Scores: EQ 658 / TU 641 / EX 650

Goal Scores: 700
Valued Contributor
Posts: 2,978
Registered: ‎02-09-2012

Re: Best process for removing inaccurate collections?

send disputes directly to the creditors. 


Send them certified w/ return reciept.


That's your best method.


(Perhaps PFD, depending on your situations)

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Posts: 12,952
Registered: ‎04-15-2011

Re: Best process for removing inaccurate collections?

+1.  Send your dispute first to the creditor.

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