How to challenge illegal debt credit entries effectively?
August 28, 2014 1:06 PM Subscribe
I have some bad credit where the debts themselves are invalid and illegal. What is the process I need to go through to get this stuff permanently removed from my credit report?
posted by corb to Work & Money (12 answers total) 3 users marked this as a favorite
Essentially, most of this has to do with my military service - while I was legally protected from, for example, cell contract breaking fees and default judgments under the Servicemembers Civil Relief Act while I was deployed, they happened anyway, and now they're making my life more difficult.
I know everyone here advises that "credit repair" places are sketchy, but are there any unsketchy places? What should I do? Some of the 'debts' have been resold, and when I disputed the credit report with the reporting agencies, nothing happened - it just changed to "this account is in dispute."
The main one that is causing the problem is a cell contract with AT&T that I tried to cancel (and sent in my orders) when I deployed, but they did not turn off as requested - and I was hit with roaming overseas data fees for autoupdates to the tune of something like 3 grand.
How can I get rid of this, ideally within the next year?