Keep those collection Letters they are like Gold from my credit guy Ty Crandall

There are many laws that govern creditors. Collection companies are mainly governed by a law called the Fair Debt Collection Practices Act.


This law has MANY restrictions on what creditors can't do by law.

Some of these prohibited actions include threatening to garnish wages, calling you at work, calling you at odd hours, sending you mail with writing indicating there are a collection company, and many others.
You can see an article on this law Here.
Insure you keep all letters received by collection companies and keep a record of their phone calls. These letters and calls will reveal many of the collection companies' violations.
Those violations can then be used as leverage to FORCE the creditors to delete your negative items off your report.
This is referred to as Debt Validation, and is the MOST EFFECTIVE type of 100% Legal Credit Repair available.

Watch out though, there are only a few companies nationwide who do Debt Validation instead of just sending letters to the bureaus.
But make sure you save those letters and keep a record of those calls.

That information is like GOLD that can be used to drastically improve your credit profile.

Questions on credit repair and your Mortgage process feel free to call Mr.W ill from Jacksonville