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Best process for removing inaccurate collections?

New Contributor

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 716 TU 724 EX 724 Goal Scores: 700
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2 REPLIES
Valued Contributor

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
12/2014 750+
3/2017 780+
5/2017 800+
Message 2 of 3
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
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