hasnanajmal Posted April 12, 2008 Report Posted April 12, 2008 Hi all, Im a newbie and am in the process of repairing my credit. I wonder is anyone out there can make this process simple on how to get the negatives off. For Example, I have a Wamu/providian account which was forwarded to a collection agency which I paid off years ago. the collection agency does not show up on my credit but WAMU does (derogatory-collection chargeoff). now i called up WAMU who stated that the account is forwarded to arrow financial(Collection agency). Now my credit report does not show any collection agency on there and i remember paying the account off in full to the collection agency. Now, how can i get this off my report? Here's what im doing. I'm first sending a letter to Transunion to dispute that Item via certified mail to dispute the item as NOT MY ACCOUNT. Now, what i need to know is that do they have 30 days from the day they recepit the letter to do the investigation and get back to me or if they dont get back after 30 days then they have to delete it? Whats the process if they get back to me late? or if it comes back verified? how does this work, can someone please explain the process on how to send out letter and in what order? Thanks
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