Sample Letter To Collection To Remove Negative Information From My Credit Report?

[damons]

On my credit report I have two collection agencies reporting negative information. Does someone have a sample letter so I can mail it to the collection agencies to have them remove the negative information? I searched but couldn't find one.

Thanks in advance.

[bigboy27]

Are they paid? If they were dispute them with the CB and they might come off.

If they aren't paid then you need to negoiate a pfd probably.

[damons]

I disputed them with the cb and they came back verified, now I want to mail a letter to the creditors.

[imdoingitright]

what kind of letter are you looking for? Are they paid collections? If they are paid collections sending a letter to the ca is a waste of time. they already have your money, they aren't interested in helping you. if they aren't paid then you would want to send a pfd letter. if they are paid I would send a Goodwill to the oc. do a search for "goodwill" or "pfd" depending on your situation.

[damons]

The thing is I never had dealings with these agencies. They never contacted me by either letter or phone. Both are form 1998 & 2000.

[imdoingitright]

The thing is I never had dealings with these agencies. They never contacted me by either letter or phone. Both are form 1998 & 2000.

if they are truly from 1998 and 2000 then I believe they can not still be reporting on your cr, they are older then 7 years. Dispute them with the cra as to old to report. I believe the SOL in NY is 6 years or am I thinking NJ. Check out this website:

http://www.cardreport.com/laws/statute-of-limitations.html