My Credit Life Back

The law is on your side when dealing with Creditors, Collections Agencies and Credit Bureaus.

First thing you want to do is pull your credit report, below are a few places you can get them for free:
Dealing with Creditors 
The credit or collection agency has the right to send you letters or call you once a day, but harassing you all the hours of the night, calling you at your job, or threatening you with legal action is ILLEGAL.
Collection agencies may not use abusive language or call family members or close friends disclosing your debts to them because this is against the law .
if any one of these is happening you have the right to report them to your attorney General , the BBB and the consumer Financial Protection Bureau. In addition, you may be awarded damages should you choose to file a small claims lawsuit against them.
The Fair Debt Collection Practices Act 
The Fair Debt Collection Practices Act  (FDCPA) – this Document explains the rules and laws that the collection agencies are required to abide by.
Favorite is FDCPA
section 807 (8) (this law is for collections Agencies )
807. False or misleading representations [15 USC 1692e]
(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, Including failure to communicate that the disputed debt is disputed.
You can see the entire document here.
Another is the Fair Credit Reporting Act
The Fair Credit Reporting Act  (FCRA) this document explains the rules and laws that the credit Bureaus and creditors/banks have to abide by dealing with Experian, Equinox, and Transition.
Favorite is FCRA sections 623 (a) (3) (this law is for creditors and Banks)
623. responsibilities of he furnishers of information to consumer reporting agencies [15 U.S.C 1681s-2] (a) (3) Duty to provided notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
You can see more here.


Removing hard inquires from your credit report to raise your score.

  • The amount of new credit inquiries account for about 10 % of your credit score calculator.
  • Hard inquiries stay on your credit report for 2 years.
  • Send letter 1 to the credit bureau to dispute unauthorized inquiries on your credit report.
  • Send letter 2 to the credit bureau if you receive no reply or they say the inquiries were “verified” from inquiry letter 1
  • Send letter 3 per the Fair Credit Reporting Act allows only authorize inquiries to appear on your report. You can challenge whether the inquiring creditor had proper authorized to pull your credit file. Please keep records and certify them

Update Personal Information Letter

Use this letter before anything else, Removing old Addresses and incorrect information such as variations of your name, social security number, birthdate , telephone numbers and employers could boost your score up a dozen points and increase the chances to remove any negative accounts associated with those addresses.  ( a simple trick that will improve your odds of the letters you will submit)

Tip; If the Credit Bureau is being tough and not removing as requested , consider going to UPS store or any other notary. take a bill with your current address, along with your ID or Drivers license, and get them both notarized. Send this information to the bureaus and watch all the old addresses disappear.

The Loophole to Remove Liens, Judgments and Bankruptcies (Public Records) from your Credit Report

When a Public record is filed against you, it is filed with a court. Whether or not you get it removed from your credit reports, that has no effect on having it removed from the court records. So eventually you should have those paid and have them removed from court records, but in the short term if you want a public record off your credit report, here’s what to do:
When looking at credit reports, it will show who furnished the information – but if you look close, you will see that the Credit Bureaus claim the furnisher is the “Recorder of Deeds”, “Magistrate”, or  “Municipal Court”. Sometimes may just show the Court address.
Heres the PROBLEM, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any go this information to the credit bureaus. I have myself, obtain letter from the Court stating they DO NOT furnish any information to any third party, including the credit Bureaus. 
So why would the credit bureaus provide you with false information? Well, no one knows the answer. 
But what the credit bureaus do is they get public records from companies like “Lexis Nexis” or sometimes “Pacer”, normally its from Lexus Nexis, which is a “for profit” company that is in the information selling business. They collect information and sell it to the credit bureaus. 


Therefore this is the loophole to getting public records removed, because it is a violation of the Fair Credit Reporting Act to report false information. And claiming they got information from the court when it is actually obtained from a named third party, could easily be considered “false information” on your credit report. 

Incomplete or Missing Information 

If you acknowledge that a negative item is definitely yours, you can always opt to challenge it in a different way, instead of just saying “not mine”. If that’s the case, you can send a version of the letter below to get it removed on a technicality, such as missing or incomplete information.
An example is account number reported ACCT # 12345XXXX 
It is said that they may be doing this for your protection, but the FTC opinion letter here says  quite the opposite:
They basically state that by not reporting the entire account number, they are not reporting 100% accurate information as required by section 609 of the Fair Credit Reporting Act.

Returned Mail Dispute

Sometimes you may mail a letter to a creditor or collection agency, using the address shown on your credit report. If that mail comes back returned as undeliverable, you may have grounds for removal. After all, the credit bureau is not allowed to report anything they know to be false, including addresses in that case you should send the following letter.

Send this letter to the credit bureau to dispute an item that came back as returned mail when you contacted the creditor or collection agency.

Contact Information for Credit Bureaus 

Recommended Tip:
Send all your letters certified mail. Keep copies of receipts, this ensures even more success in removing unnecessary items, and better record keeping.
P.O. Box 9701
Allen, TX 75013
Po Box 805
Woodlyn, PA 19094
Po Box 105518
Atlanta, GA 30348