Credit Repair Strategy #5 is to Sue the Creditor in Small Claims Court

Creditors generally have the same responsibility under the law to maintain accurate information….and just like the Credit Bureaus, they often fail to do so.

So first, go ahead and dispute the negative line items on your credit score with the Credit Bureaus. Just because they send you a letter saying that the credit report account is accurate, doesn’t mean that the creditor has actually provided proof of this to the Credit Bureau. By law the Creditor and Credit Bureau can only prove the account is accurate with a signed written contract by you or other original documentation. If the Creditor has not followed the law ….you may be able to File a legal Action against them.

Many people simply sue in Small Claims Court which costs between $35 and $100 depending where you live.

Don’t worry, it’s easy.

Provide proof to the court – including the letters you sent – how the creditors have not proved or removed the account. Write about how their actions have hurt you financially and created mental anguish and hardship. You don’t even have to ask for money unless this is required and then ask for $1,000.

 Just make sure you ask for complete deletion of the negative account on your credit report with all Credit Bureaus.

Do you think they’ll want to send the President of their company to your county to appear in Court. Nope. If they just ignore you and don’t show up in court that’s ok too. Either way, you win….and the account gets deleted….permanently.

Please let us know if you’d like help with improving your credit score. Have a great day!

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