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Jeff's Blog 
Fair Credit Reporting Act for Consumers Rights
News
A "how to" video on fixing your defaulted student loan and your credit...
Posted on 3/18/2010
Foreclosures Are On the Rise - What you need to know!...
Posted on 10/29/2009
IRS Faulted for Lax Identity Theft Protection Efforts...
Posted on 5/21/2008
Library
Fair Credit Reporting Act for Consumers Rights
Q: What happens if I dispute the debt?
A: By disputing a debt in writing within the 30-day validation period, the debt collector cannot continue to collect on the debt until they send you (or your attorney, if you are represented) proof of the debt or a copy of the judgment. After disputing the debt, wait approximately 35 days. Go to annualcreditreport.com and obtain BY MAIL OR PHONE a copy of your credit report from each of the three major bureaus (TransUnion, Equifax, Experian). You are entitled to one free report per year from each bureau. If you order your report online, you may be giving up your right to a jury trial. See if the debt is (a) listed and (b) described as disputed.
