Fleet CC ripoff Now my credit has a dent because of them HORSHAM, Pennsylvania

Ok, what you need to do is DISPUTE the debt with the credit reporting agencies, as well as Fleet CC. They may give you a run around at first (most creditors do) but don't back down! They have 30 days from receipt of your letter to begin verifying the debt. You MUST send all mail registered, return receipt. That way, they can not say they never received your correspondence.



In your letter of dispute, you should state that you do not believe this debt is yours and that you request PROOF that you agreed to accept responsibilty for the account. They must provide you with a contract, note or some other legally binding document, which bears your signature, to verify the debt. Now....let's just put two and two together here, ok? Most companies only keep paper records from the past four years readily handy. Plus, you also have in your favor that the company changed hands! The paper trail is becoming incredibly weak at this point.



Now, you need to HOLD FIRM to the timeline they have to respond. If they fail to respond within the alloted 30 days, you can be nice and send them a follow up letter which reminds them of their responsibility. Or, you can push the reporting agencies to delet the item based on the creditor not responding within the 30 days. I usually send a follwo up letter if necessary. They may try to run you through hoops, but don't be afraid!



CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

Ok, what you need to do is DISPUTE the debt with the credit reporting agencies, as well as Fleet CC. They may give you a run around at first (most creditors do) but don't back down! They have 30 days from receipt of your letter to begin verifying the debt. You MUST send all mail registered, return receipt. That way, they can not say they never received your correspondence.



In your letter of dispute, you should state that you do not believe this debt is yours and that you request PROOF that you agreed to accept responsibilty for the account. They must provide you with a contract, note or some other legally binding document, which bears your signature, to verify the debt. Now....let's just put two and two together here, ok? Most companies only keep paper records from the past four years readily handy. Plus, you also have in your favor that the company changed hands! The paper trail is becoming incredibly weak at this point.



Now, you need to HOLD FIRM to the timeline they have to respond. If they fail to respond within the alloted 30 days, you can be nice and send them a follow up letter which reminds them of their responsibility. Or, you can push the reporting agencies to delet the item based on the creditor not responding within the 30 days. I usually send a follwo up letter if necessary. They may try to run you through hoops, but don't be afraid!



CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

Ok, what you need to do is DISPUTE the debt with the credit reporting agencies, as well as Fleet CC. They may give you a run around at first (most creditors do) but don't back down! They have 30 days from receipt of your letter to begin verifying the debt. You MUST send all mail registered, return receipt. That way, they can not say they never received your correspondence.



In your letter of dispute, you should state that you do not believe this debt is yours and that you request PROOF that you agreed to accept responsibilty for the account. They must provide you with a contract, note or some other legally binding document, which bears your signature, to verify the debt. Now....let's just put two and two together here, ok? Most companies only keep paper records from the past four years readily handy. Plus, you also have in your favor that the company changed hands! The paper trail is becoming incredibly weak at this point.



Now, you need to HOLD FIRM to the timeline they have to respond. If they fail to respond within the alloted 30 days, you can be nice and send them a follow up letter which reminds them of their responsibility. Or, you can push the reporting agencies to delet the item based on the creditor not responding within the 30 days. I usually send a follwo up letter if necessary. They may try to run you through hoops, but don't be afraid!



CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.