What You Should Know About Disputing And Deleting A Debt Collection Account From Equifax

In the event that you feel like you’re unfairly being held responsible for a debt that you did not incur, it is possible to dispute and delete this account from your Equifax report. This article will explain how the process works and what steps should be taken to see your complaint through!

Equifax Debt Collection Dispute Letter Here https://pdf.ac/AA04w

What is the Equifax?

Equifax is a credit reporting agency that keeps track of your credit history. If you have ever applied for a loan, credit card, or any other type of credit, then the chances are that your information is on file with Equifax.

One of the things that Equifax does is keep track of any debts that you may have. If you have ever been late on a payment, or if you have ever defaulted on a loan, then this information will be reflected in your Equifax report.

If you are trying to dispute a debt collection account that is listed on your Equifax report, there are a few things that you should know. First of all, it is important to understand that Equifax is not the only credit reporting agency out there. There are also agencies such as TransUnion and Experian. Therefore, even if you are able to get the debt collection account removed from your Equifax report, it is still going to show up on your other reports.

Another thing to keep in mind is that debt collection accounts can stay on your credit report for up to seven years.

How to dispute and delete a debt collection account from your Equifax report?

If you have a derogatory debt collection account on your Equifax report, you may want to dispute it. You can do this by writing a letter to the collection agency. Include your name, address, and phone number, and explain why you are disputing the debt. You should also request that the collection agency remove the account from your report.

If the collection agency does not remove the account from your report, you can file a complaint with the Consumer Financial Protection Bureau (CFPB).

You can also try to negotiate with the collection agency to have the debt removed from your report. Explain that you are trying to improve your credit score and ask if they would be willing to delete the account from your report in exchange for payment.

Also, this can be done by contacting the creditor directly and requesting that they remove the collection from your report. If they are unwilling to do so, you can also file a dispute with Equifax.

If you’re dealing with a debt collection account on your Equifax report, make sure you understand all of the options and implications before taking any action. It’s important to remember that even if you dispute a debt, it doesn’t mean that it will automatically be removed from your report. However, taking action is important in order to ensure that any inaccurate information is corrected.

How long does it take to delete debt collection accounts?

If you’re working on repairing your credit, you may wonder how long it takes to delete debt collection accounts from your Equifax report. The answer depends on a few factors, but in general, it shouldn’t take more than a few months.

There are a few things that can impact how long it takes to remove a debt collection account from your credit report. First, if you dispute the debt with the credit bureau, they will investigate and determine whether or not the debt is valid. This process can take a few weeks.

If the debt is found to be valid, it will remain on your credit report for seven years from the date of the last activity. So, initiate a dispute with the creditor and/or debt collection agency. This process can take a few weeks also.

Finally, keep in mind that even if you do get the debt collection account removed from your Equifax report, it may still show up on other credit reports. So, if you’re trying to clean up your credit in preparation for a loan application, you may need to dispute the debt with other credit bureaus as well.

How to write a dispute letter to Equifax

Not sure how to dispute a debt collection account? Choose this template to create the demand letter, then mail it to Equifax.

YouTube video here https://www.youtube.com/watch?v=aVOF99AVvJg

Please, follow the link https://pdf.ac/AA04w to open the document form.

Now, you can start to fill out the form:

  • Begin with your first and last name at the top;
  • Next, enter your current address, the same address as mentioned in your ID or driver's license;
  • Now, add your social security number;
  • And your date of birth;
  • Next, write your contact details: phone number and/or email address;
  • Choose the document date;
  • In the reference, please enter the debt collection agency name you dispute;
  • The collection account;
  • And the disputed past due balance;
  • Under the text “Respectfully”, need to enter your first and last name;
  • Now, you need to provide copies of two forms of identification. Upload your ID or driver's license copy to the document left side and your social security card to the right side;
  • Lastly, in the notary section, please retype your first and last name again.

Good job, your document is ready! Check your personal information one more time, and click on the BUY button. Proceed with the payment to download and print out the document from your computer.

Before the final step, you need to notarize your document. Be sure to keep the original copy of the letter for your records. For your convenience, please use the online notary service, by following the link iDispute.org/online-notary

The person whose signature is being notarized must personally appear before the notary at the time of the notarization without exception.

Finally, send the letter by USPS certified mail. Certified mail is best because it guarantees that the company receives it. That way, they can’t say they didn’t get your letter. But, if you are busy and don’t have time to drive to the post office, you can mail a letter online. No more trips to the post office, no worries of social distancing, save time and do it online with LETTERCARRIER.ORG

IMPORTANT: You can keep a document copy on your computer, but it’s better to keep a hard copy of the one you sign and send. Always keep a copy of the document, certified mail receipt, and payment receipt, so you have a record.

Conclusion

If you find a debt collection account on your Equifax report that you believe is inaccurate, it’s important to dispute the debt with both the credit bureau and the collection agency. By taking these steps, you can help ensure that your credit report is accurate and up-to-date. Additionally, if you are able to successfully delete the debt collection account from your report, it can help improve your credit score.

Having an attorney send a powerful demand letter to the company will quickly motivate them to do the right thing. Request Service HERE: https://www.fixcredit.cc/

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