This is a debt that apparently my husband had from Jan. of06, according to credit report last activity was Jan. of 07. They recorded a lein on our property in 2006. We had the property forclosed on in May of 2007 due to a balloon payment. In 2010 they refiled a lien on the property in our name. That is 4 years after we lost the house. The report shows a 0 balance. They also just renewed the entry on our credit report March 1,2012. How can they do this? We do not know who they are, they will not give us information and we are trying to purchase a new house now that we have everything in order, and this is holding us up. Please help
To dispute credit report error, you should:
1. Get a free copy of your credit report http://agrusslawfirm.com/index.php/Free-Credit-Report
2. Write a letter to all three of the nationwide consumer credit reporting companies—Equifax, Experian, and TransUnion. Tell the credit reporting companies what information is incorrect in your credit report. Include documents that support your position. State the facts and exactly why you dispute the information, and request that the inaccuracy be removed or corrected. It is also helpful to enclose a copy of your credit report with your dispute and circle the items that are incorrect. Your dispute letter should include your: (1) full legal name, (2) date of birth, (3) social security number, (4) current mailing address, and (5) a copy of your driver’s license.
3. Mail your dispute letter and supporting documents certified mail return receipt to the three credit reporting agencies at the following addresses:
P.O. Box 9556
Allen, TX 75013
P.O. Box 740241
Atlanta, GA 30374-0241
Trans Union Consumer Relations
P.O. Box 2000
Chester, PA 19022-2000
4. Write a letter to the original creditor (e.g. credit card company, hospital, utility company) or other information provider that you dispute an item in your credit report. Most providers specify an address for disputes. Provide the original creditor or other information provider the exact same information you provided above in number 2.
5. Wait about 30 days from the date the credit reporting companies and original creditor receive your dispute letter. In other words, wait about 30 days from the date on the return receipt you receive back from the credit report company. After the credit reporting company investigates your dispute, the credit reporting company must give you the results of their investigation in writing.
*Keep copies of your letter and supporting documents to all three credit reporting agencies, and to the original creditor or other information provider.
If the credit reporting agency does not correct the inaccurate information in your credit report, you should contact a consumer attorney for further help.
Information on Avvo should not be construed as legal advice, as each case is different. For information about your specific case, please contact a consumer law attorney.
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