Under the Fair Debt Collection Practices Act (FDCPA) , third-party collectors must stop contacting you once they receive this written notice.
A clear, factual explanation of why the information is wrong (e.g., "The account was closed by me, not the lender"). A request for the item to be removed or corrected. Credit Problem
Use this Sample Letter to Credit Bureaus from the Federal Trade Commission (FTC) as a template. 2. Stopping Debt Collector Harassment Under the Fair Debt Collection Practices Act (FDCPA)
If you find inaccurate information (like a payment you actually made or an account that isn't yours), you should send a formal dispute letter to the credit bureaus. Your full name, address, and telephone number. The account number for each item you are disputing. Use this Sample Letter to Credit Bureaus from
Send the letter via with a "return receipt requested" to prove they received it.
If debt collectors are calling you constantly, there is a specific legally binding phrase you can use in writing: "Please cease and desist all calls and contact with me immediately".
When you are facing a credit problem, the best "post" or communication depends entirely on the specific issue—whether it's an error on your report, harassment from a collector, or general financial hardship. 1. Disputing an Error on Your Credit Report