Category Archives: credit report

To “re-age” a debt is to change the date the debt was defaulted. A debt is defaulted when a consumer fails to make a payment as scheduled. By re-aging a debt, a debt collector can make it appear that a debt is newer than it is.             By making old debts look newer, debt collectorsContinue reading “What does it mean to “re-age” a debt?”

            Consumers have the right to dispute debts in collection. The best way to dispute a debt is in writing with trackable delivery. Sending a letter via certified mail return receipt requested with the United States Postal Service is the gold standard method.             First, pull a copy of your credit report.             Second, carefullyContinue reading “How to dispute a debt with a debt collector”

Step 1: Go to annualcreditreport.com. Step 2: Click on this button: Step 3: Fill out form with your information. Step 4: Click on this button: Step 5: Select all three bureaus by checking the boxes like this: Step 6: Click on the next button. Step 7: Answer the security questions and click the continue button.Continue reading “How to pull your credit report (and save it as a PDF)”