stressedinla.

[gsant]

What is the name of your state?Louisiana..We pulled our credit reports and there were some debts on them that were not ours..these we disputed...some are rightfully mine..my question..where do we start in trying to clean these up? i wrote the creditors trying to make payment arrangements almost a year ago..no answer.what do i do?

 

[seniorjudge]

What is the name of your state?Louisiana..We pulled our credit reports and there were some debts on them that were not ours..these we disputed...some are rightfully mine..my question..where do we start in trying to clean these up? i wrote the creditors trying to make payment arrangements almost a year ago..no answer.what do i do?

Standard answer on expired SOL and/or validation and/or dispute letters. There are thousands of posts similar to yours on this forum so I have prepared a standard answer.

SOL
http://www.bcsalliance.com/y_debt_sol.html

http://www.fair-debt-collection.com/Disputing_Collections/SoL-dispute-letter.html


Validation letter samples you can get at :
www.creditinfocenter.com
and www.creditboards.com


Disputes: You can write a letter of dispute to the three credit reporting agencies.

Go this website to find instructions and samples for how to dispute: http://www.creditinfocenter.com/creditreports/

Sometimes errors are easy to remove and sometimes they stick like glue. It is inexpensive to try and not difficult.

I am NOT a creditor-debtor lawyer; stand by for further help.

I am NOT vouching for the accuracy of these websites!

Debt settlement:

https://forum.freeadvice.com/showthread.php?t=293829

 

[Ladynred]

What do you do ? REad the FCRA. Read the FDCPA.
Go to www.creditinfocenter.com or www.creditboards.com and start reading up on credit repair and disputes.