If you have already paid the bill still send out this letter. I had a few paid collections that I asked for verification and the collection agencies were to lazy to report anything. Within two weeks they fell off my credit report and my score jumped 20 points overnight!
Verification Sample Letter:
Your Name
Your Address
Credit Bureau Name
Credit Bureau Address
Today’s Date
Dear Equifax,
Please verify and provide evidence that the following accounts belongs on my credit report and that my rights have not been abrogated. Some of the accounts have been paid, but I am not admitting liability on my part. In the event that none exists, please delete these damaging accounts.
Dear Equifax,
Please verify and provide evidence that the following accounts belongs on my credit report and that my rights have not been abrogated. Some of the accounts have been paid, but I am not admitting liability on my part. In the event that none exists, please delete these damaging accounts.
Collection Company Name: Person Owing Money to: Account #8425****
Collection Company Name: Person Owing Money to: Account #8425****
Collection Company Name: Person Owing Money to: Account #8425****
Collection Company Name: Person Owing Money to: Account #8425****
Upon conclusion of the following request, please mail me an updated copy of my credit report to the address above.
Sincerely,
Your Name
Your Date of Birth
Social Security Number
TransUnion
P.O. Box 2000
Experian
P.O. Box 2104
Equifax
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