Legal Question in Consumer Law in Texas
credit reporting
I just recieved a copy of my credit file. I noticed that the same account is being reported by 3 different collection agencies(the original creditor and 2 third party collections)this is seriously affecting my credit score.Also It was my understanding that any collections entries on a credit file were supposed to drop off after seven years.
Asked on 7/17/06, 9:41 pm
2 Answers from Attorneys
Peter Bradie
Bradie, Bradie & Bradie
Re: credit reporting
Correct on all counts. But you need to write to the reporting agencies and give them the facts to correct the record.
Answered on 7/18/06, 11:06 am
TC Langford
Langford Law Office
Re: credit reporting
You need to send a CMRRR letter to the reporting agencies, with copies to the collection agencies that the debts are barred by the Statute of Limitations, and that they are duplicate files.
Answered on 7/17/06, 11:22 pm
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