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I have been monitoring my fico scores because i want to buy a house i recently upped my fico scores quite a bit but out of nowhere a negative item shows up on my experian score that has never been there all of the times i've viewed my scores and the company accelerated financial supposedly took over an old delinquent acct. for capitol one from 2002 / closed and sent to collection in 2003 for $2300 but the only capitol ones that have ever been on my f report have been paid & i have never had a credit acct. for more than $ 500 except radio shack which was $1200 now its there & showing as a 2010 item open for 1 month it has not been on my report ever ! and i have never received any calls or letters what can i do ?
how to dispute negative item
Hi bernadettdowdy,
Send a "Debt validation letter" to the company through certified mail, requesting a return receipt (CMRRR). You will get a sample debt validation letter at http://www.creditmagic.org/repair/sampleletter-debtvalidation.html . You can use this sample letter to write one of your own.
Wait for some days. They either may not be able to send you a proper validation or may not send you any answer at all. You can then send a "Dispute letter" to the credit bureaus, through CMRRR. You can use the sample dispute letter at http://www.creditmagic.org/repair/dispute-letter.html . Attach a copy of your debt validation letter, and the proof that they received the letter.
Hope this helps.
Regards,
Aaron
SEnd a DV letter for unknown debt. Dispute this item on your report in writing. use CMRRR for both