I have a paid debt on my credit report. Can a lawyer get a PAID debt removed from my credit report?
Country relating to Question: United States
State (if USA): California
I didn't even realize it was there until tried to lease a car yesterday. This is my first step.
Hello and thank you for the opportunity to assist you. There may be a slight delay between your follow ups and my replies as I am typing out my answer. Please remember that this is general information only, not legal advice, and no attorney-client relationship is formed.I am sorry for your situation. Can you please tell me the following:-was this a debt, or a judgment?-did the creditor provide you with a letter of satisfaction for the debt?This not an answer, but an Information Request. I need this information to answer your question. Please reply, so I can answer your question. I look forward to helping you.
It was a debt.
Thank you.First of all, you do not need an attorney. While you can certainty use one, this is something that you can do yourself.The credit reporting bureau can be petitioned to delete the record via a letter. See here for a sample:http://www.debt-n-credit-letters.com/Report-Dispute/credit-report-dispute-letter-1.htmlIt would really help if you can get a letter of satisfaction from the creditor, that you can send along with the letter to illustrate that the debt is wiped. Once this is done, then the credit bureau should take off the report. You can do this with all three credit bureaus.If you cannot get such a letter, the bureau will contact the creditor and the creditor will have 30 days to file an answer or to ignore the request. If the creditor does not reply or replies that the debt is indeed paid, the report is dropped.If the creditor replies for some reason that it is still owned, then the credit bureau makes a decision based off your letter and their response. So it may be wise to show proof of payment when you send in the dispute letter, if you cannot get the creditor to give you a confirmation letter to send along with the dispute letter.I hope this finds you well. Please click Reply to Expert to keep talking, or rate my answer when we are finished. Kindly rate my answer as one of the top three faces because this is how I get credit for my time with you. Otherwise, reply to chat more until we are finished and you are ready to rate. I work very hard to formulate an informative answer for you; please reciprocate my good faith. (You may always ask follow ups free after rating.)
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