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Entries Tagged as 'Credit Repair Letters'

Two Times It’s a Good Idea to Send a Credit Repair Letter to an Original Creditor

October 13th, 2016 · No Comments · Credit Repair Letters

You’ll probably send most of your credit repair letters to the credit bureaus or collection agencies. However, there are a couple of scenarios in which it’s appropriate to send a letter to the original creditor. Do either of these apply to you?

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Debt Past Statute of Limitations? Write This Letter to Zombie Debt Collectors

October 12th, 2016 · No Comments · Credit Repair Letters

Every debt has a statute of limitations. It varies by state, but it’s there, and if you have debt in collections, it’s something you need to know. Because whether the debt belongs to you or not, once that statute of limitations has passed, you are no longer legally required to pay it. That won’t always stop debt collectors from trying to collect on it, though. In that case, it’s up to you to try and stop it.

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Before You Pay a Collection Agency, Send Them a Debt Validation Letter

October 10th, 2016 · No Comments · Credit Repair Letters

Whether you have the money to pay them or not, hold off on sending a collection agency anything until you send them a debt validation letter and they provide subsequent proof. The initial collection notice you receive in the mail is not good enough. You have a right to see evidence that the debt belongs to you and that they have the right to collect on it.

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