Credit Problem -

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.

Send the letter via with a "return receipt requested" to prove they received it. Credit Problem

Under the Fair Debt Collection Practices Act (FDCPA) , third-party collectors must stop contacting you once they receive this written notice. If you find inaccurate information (like a payment