How do I get rid of incorrect information on my credit report?

Question

There is an account on my credit report from a collection company called FBCS that says I owe them $414. This is not my account and I sent FBCS a letter saying that it was not mine and they need to remove it now. They replied with a letter saying that the account is closed and returned to Sprint who was the orginal creditor. The also stated that I need to contact Sprint to have it removed. But, its not Sprint's name on my credit report it is FBCS. Since FBCS is the one reporting it shouldnt they be the ones to remove it? How should I proceed.

P.S. I originally contacted the 3 credit report companies and that said it was verified as accurate and I needed to contact FBCS.

This is not mine and I want it removed now. How should I proceed? Thanks.

Answer 1

You need to send the credit bureaus a certified letter to dispute specific items on your credit report. Here is a sample letter.

Answer 2

You can use a company called Lexington Law Offices. Research them first of course, but a lot of people have used them and have gotten great results.  You see, by law you can dispute all claims to the agencies, and the agencies by law have thirty days to do an investigation.  If by the thirty days they have not done an investigation or have done an investigation and could not find anything on the subject then the material has to be removed from you credit scores.  The credit scoring companies are not a service provided by the government and they are a publicly traded companies who sell our information to creditors and other companies.  Now, some people will say that Lexington is a scam. I assure you it is not a scam, and I myself have used it.  Those who say it is a scam are the ones who did not uphold their end of the bargain and mail in the information that they were supposed to send in. Lexington cannot move forward with your case without this information. Also, you can do this yoruself, and yes everything that Lexington does you can do yourself, but you can also cut your own hair, grow your own food, and change your own oil.  The companies WANT your score to stay the same so they can keep charging you crazy interest rates because you have a bad score.  So they have systems set up to deter you from your investigation.  They will ask you to do this and that. This is called sending you a " stall letter".  It could take forever to get through this process, and in the end most people quit because of frustration.   However, the people at Lexington send these in on letterhead that will get their attention, and it speeds up the process.  Also, the people at lexington do not get tired, and will keep sending in the information over and over and over again until the guy at the credit agency gets tired of investigating the same person. Thus, in the end your score will be ammended.  Hope this could be of help.  Please don't be deterred by those who say negative things about this company.  They again, didn't uphold their end of the bargain.

Answer 3

you can file a dispute with the credit agencies, but i no from past experience that it doesnt always work out in your favor. but he who doesnt attempt wont no if it will or wont work out in there favor so i say take the chance......

Answer 4

you have laws and rules that protect you. i do credit repair for a living and can give you the forms you need to use. email me and i will send you some copies and tell you exactly what you need to do. and no i am not going to charge you either. if you do not use the correct wording in your letters the companies will walk all over you including the credit reporting agencies experian, equifax and transunion.

Answer 5

file a dispute with all three companies and it should go away in 30 days if it isn't yours.

Answer 6

File another dispute with the credit bureaus, and provide them with a copy of the letter FBCS sent you. That will get rid of the collection account.

Next, you will need to dispute the Sprint account with the credit bureaus if it is showing up on your reports.

However, if it is not showing up on your reports and the debt is not yours, then just ignore it. The debt isn't yours, it isn't on your credit reports, and Sprint is not bugging you for payment.