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Question
I recently had a 3rd party collection agency sue me for a debt which goes back several years. In March 2007, the Plaintiff dismissed the case without prejudice. I just received the dismissal back in December 2007 because the attorney said the court didn't let them know. Anyway, my question is can I use this dismissal to have the debt removed from my credit reports? I sent a copy to all three credit agencies, but only deleted the account from my report. How do I force the other two to erase it from my report as well?
Send another letter disputing the suit and advise them that the suit was frivolous. They are supposed to investigate it but may not put much time into their investigation. Be pushy and persistent. Be a pest with the credit bureaus until they get tired of dealing with you and remove it just to shut you up. If they resist climb the chain of command at the credit bureaus and push your way up the chain. Threaten them with a complaint to the Federal Trade Commission and if they do not remove it file the complaint. You have chance of getting the item removed because of your persistence.
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| Comment | This is what I will do. Thanks for your advice! | ||
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Answers by Expert:
Michael Brotherton
Expertise
Consumer/Debtor Rights Advocate. Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years. Mike is well versed in Loss Mitigation practices and the legal collection process. He has helped literally thousands of people over many years overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com. FinancialEmergency.com is a consumer web site which actively promotes Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. The more informed you are of your rights and the credit collections practices of creditors the more peace you can have dealing with your FINANCIAL EMERGENCY. Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be. Primary business- Debtor Rights Advocacy and Debt Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems. www.financialemergency.com (copy and paste in browser).
Experience
Over 40 years combined experience negotiating disputes and resolving financial issues related to consumer debt, corporate issues and mortgage modifications.
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