credithelp2013

Is this a valid and potentially succesful way to dispute collection accounts?

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I read on another board that collections accounts should not be reporting terms. I have two collection accounts that I am in the process of disputing. Both of these accounts are listed on my credit report as collection accounts and both term 1 month. I read that if I never entered into any type of agreement with the collection agency that this should not be listed with terms since no terms were agreed upon. Does anyone think this would be a valid and succesful way to dispute these items with the credit bureaus?

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Collection agencies can definitely report.  If you feel they have no documentation, you can go as far as challenging them in court for not having good documentation and reporting them inaccurately.  

 

However, the first step is debt validation.  

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