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Collections Law/my credit score

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Question
HI Mr. Miller
My AT&T account was cleared in this September. Franklin Collection Service should received AT&T 's information about my account. I didn't know Franklin agency sent my report to Credit Bureau in November till last Friday I was told by my refinance rep that my credit score droped too much and I am not qualified for my home mortgage loan. I got pissed off from Franklin Collection service. I called Franklin agency, they asked me to contact with Credit Bureau and I don't know how to do that? Where are they ? They don't give any contact info. I am frustrated now for my home loan. Please let me know how to update my credit score immediately ?
Thanks very much for your help.

Answer
The credit bureaus you will need to contact are:

Experian
http://www.experian.com/

TransUnion:
http://www.transunion.com/

Equifax:
www.ai.equifax.com

You can DISPUTE this item on these websites.  The only people that can have an item REMOVED from your history are the ones who placed it there or their client.  In this case, AT&T and Franklin Collection Services.  Be sure to let the credit bureaus know about the short time people that had passed that lead to this being reported on your credit history.  Good luck with this.

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Ray A Miller

Expertise

I am qualified to answer questions on the following subjects: FDCPA, FCRA and HIPAA as well as medical collections, general collections and collection agency related issues. I trained these subjects at a nationwide collection agency and customer service call center and audited around 150 representatives for compliance to the laws. I have been in the Collections Industry for over 30 years. I feel that everyone deserves to be treated fairly and with compassion and that is the way I trained collectors. Even though I worked for a Collection Agency, I get great satisfaction in helping those who have been mistreated or in need of help with these confusing issues.

Experience

I was the Compliance Administrator with a nationwide collection agency and customer service call center-I have trained hundreds of collectors on the above referenced topics. I have been in the medical collections industry for over twenty years and research these topics on a daily basis.

Organizations
ACA International

Education/Credentials
Some college ACA Certified Collection Specialist

Past/Present Clients
I am retired due to medical conditions and spend a good deal of time keeping current on collection issues.

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