Request for info on acct on credit report?

[brianlancaster]

Does anyone have a form or letter to request information published on a credit report? I have something from "NCO FIN/38" for $16.00. I haven't recieved any bills/letters stating I owe $16 or any amount. It only lists an address, no phone number!? I googled the address and came up with AssetCare, Inc. and still can't find a phone number. I want to send a letter requesting more information on this account and why I haven't been contacted. Any ideas? I can come up with a basic letter, but don't know any legal talk! Thanks

 

[seniorjudge]

Standard answer on expired SOL (statute of limitation) 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.

Validation letters:

http://forum.freeadvice.com/showthread.php?t=353111

SOL (Statutes of limitation are DEFENSES to lawsuits; they do NOT provide a method to stop someone from suing you. This defense means when they sue you, you answer with the defense that it is barred by the 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

Make sure you ask for VALIDATION (and do not accept verification).


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:

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