New Contributor
Posts: 89
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 PLUS FAKO 563

Current Scores: EQ 642 / TU 519 / EX PLUS FAKO 610

Goal Scores: 700
Valued Contributor
Posts: 2,953
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)

Posts: 12,883
Registered: ‎04-15-2011

Re: Best process for removing inaccurate collections?

+1.  Send your dispute first to the creditor.

Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+