Palisades Collection ripoff 2nd time Englewood Cliffs New Jersey

K,

Here are a few step to possible help you:

1.request proof of debt, the last few statments on the account. Be pateint because getting the proof can take time, but in the mean time the account should be in a distupt status.

2. Find out when the company reported it as a disputed account, then wait 90 days to check your credit report (credit agentcies have 90 day to make the changes, and usually it is about that long, you can call the credit agencies yourself to report an account as a dispute.

3. Make sure that you have sent them a dispute letter stating why exactly you are disputeing it. Within 30 days of the dispute letter you need to sent your proof. Letter of payoff final statement with zero balance etc.

4. Collection agencies don't have control over other companies so if they are given bad information you can't hold them liable, they can't make credit agencies make new reports faster.

5. Protect youself. Keep final statments and any other proof of not owing an account at least 7 years. So that you can easily provided it to any company. Remember Identy Theft is very wide spread and is a long process to overcome.

I hope this helps you, and remember with evrything in life there is a lot of red tape to deal with.