How can I erease a collection from my credit report that I do not owe?

A collection agency sent me to collection for services that I did not received. I was a client for a internet company that rents dvds 4 years ago, there was a monthly subscription that I paid I returned the dvd%26#039;s and my credit card expired and I did not updated my info because I did not wanted their service anymore, there was no contract. last year I received a letter from a collection agency I called the internet company and they said the could not provideme with information, then send a letter to the collection agency refusing the collection in a certified mail. last month they put me in collection for that.

What are my options? I did not received any services from that company and I have read that if you pay a collection it acually hurts your credit,

Or what if I sent that letter that I sent to the agency to the credit bureau and they say that I owe it, do I have to pay more??

please help!!

How can I erease a collection from my credit report that I do not owe?

By law, the collection agency must %26quot;validate%26quot; your debt. That means that, upon written request, they have 30 days to supply you with copies of contracts, bills, receipts, and anything that was used to calculate the amount that you owe. If they fail to supply this, they must remove your information from the credit bureau, and must stop bothering you.

You are about to go to war! Do NOT fight these guys unarmed! Knowledge of the law is your only weapon, go read the links below and GET ARMED!

You got an easy slam dunk case here.

From this point on, keep a log of every call you make/receive regarding your debt, and copies of all letters. You will need this if you wish to prosecute.

Use the sample letter I supplied below on how to write a request to validate letter. Send it by certified mail to the collection agent.

After 30 days, if they do not respond, send letters to the credit reporting agencies, along with a copy of your validation letter, and demand that they remove any negative report that is in your file.

If the collection agency does respond back, and the information is not given or incomplete, send them another letter and demand it again, but this time threaten legal action if they place anything on your history.

Just keep the credit bureau%26#039;s informed of the problem, and if they don%26#039;t remove the history hire a lawyer and sue under the

Fair Debt Reporting Act.

I%26#039;m going to bet that you don%26#039;t owe a lot on this, right? Less then $200? They won%26#039;t even bother to sue you. They will send it back to the original creditor. It%26#039;s not worth the time of the Collection Agent to sue you for that small an amount. The only weapon they have is your credit history, and if you follow my instructions will stop that.

Get armed! Read the links below!

How can I erease a collection from my credit report that I do not owe?

Contact the credit bureaus and they will help you with the appropriate forms and assistance to fight the claim.

You should also contact the collection agency again, ask them what routes to take to find out the information that you need.

It will be a long frustrating process- but it does work.

How can I erease a collection from my credit report that I do not owe?

That Studly has given out some awesome answers to people on this board. I will now refer to him as %26quot;The Slayer%26quot; because no Collection Agency has a chance against him.

Follow his advice and you will be happy with the results.

Good Luck