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Write the collector a letter explaining your circumstances and why you would like the debt removed, such as if you're about to apply for a mortgage. There's no guarantee your request will be accepted, but there's no harm in asking. A record of on-time payments since the debt was paid will help your case.

The collection dispute letter to debt collectors should include the following information: Your details ? name, address, official email address, etc. Request for more information about the creditor. Amount of debt owed. A request note to not report the matter to the credit reporting agency until the matter is resolved.

While debt validation requests can be a useful tool, they are not effective at resolving the issue. In most cases, creditors and collection agencies are able to provide the necessary documentation to prove the validity of the debt.

You'll need to dispute it with any credit reporting agency that's showing it on your credit report. The collections account information is correct, but you've made steps to remedy the situation. In this case, you can write a goodwill letter or pay for delete letter to ask for the account to be removed.

If you don't think you owe the debt Once you receive the validation information or notice from the debt collector during or after your initial communication with them, you have 30 days to dispute all or part of the debt, if you don't believe that you owe it.

If you ask a debt collector to stop all contact ? regardless of the communications channel ? the collector must stop. Keep in mind, though, that you may still owe the debt. If you don't want a debt collector to contact you again, write a letter to the debt collector saying so.