Dispute it! Consumers can and should protect their credit reports by disputing incorrect information listed by a debt collector. This can include a debt collector listing a debt the consumer does not owe at all, or simply listing a debt that the consumer disputes in whole or in part. Consumers can make oral dispute debts to a debt collector, but it is best to make a written dispute to the collector. When making a dispute, consumers should provide as much information as possible, including any documents which support the dispute. It would also be a good idea for consumers to use certified mail or request delivery confirmation when sending the dispute and to keep a copy of the dispute for their records. An attorney can help consumers determine what rights they have if the debt collector refuses to investigate the debt or refuses to report it as “disputed.” -Meredith Phillips (205) 912-8244
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