Debt Consolidation

How do you dispute something on your credit report?

There are a few items which have been reaged by a collections agency and they cannot do that. The SOL has passed and they should be removed from my credit report. Also, when you view your credit report where is the "date of last activity"? All I see is the open date and last reported date. The last reported date can’t possibly be the date to go by because then the companies can stay on your credit report forever. I have never had problems about stuff dropping off before but Capital One refuses to drop off and the three different collection agencies (for one card mind you) keep reporting a new date opened. This is ridiculous. How can I get them off? It has been 8 years now and they are still on there.

Tags: 8 years, capital one, collection agencies, collections agency, credit report, new date, sol

Is the attorney generals request for debt validation different than a consumer?

For example as a collections agency you are not required by law to provide an actual copy of the original contract. But if the attorney general asks for debt validation on behalf of a consumer, does the law change based on them asking and not the consumer themself?

Tags: attorney general, collections agency, validation