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North Carolina Credit Repair Legal Questions

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2 legal questions have been posted about credit repair by real users in North Carolina. Ask your question and dive into the knowledge of attorneys who handle your issue regularly. All topics and other states can be accessed in the dropdowns below.
North Carolina Credit Repair Questions & Legal Answers
Do you have any North Carolina Credit Repair questions and need some legal advice or guidance? Ask a Lawyer to get an answer or read through our 2 previously answered North Carolina Credit Repair questions.
Credit Repair
North Carolina

Recent Legal Answers

Is there anything I could do?

Answered 2 years and 7 months ago by attorney Lynn Ellen Coleman   |   1 Answer
You need to send a written dispute to the credit reporting agencies that this collection shows on, with a cc to the collection agency. Send the letters certified mail. If you to to www.annualcreditreport.com you can download all 3 of your major credit bureau reports. Send the letters to the dispute address shown on the report and explain in the letters why you dispute the charges. If the collection agency does not remove the debt you can include a dispute statement in your report. You can also settle the account by negotiating an amount less than the full amount. If you do this, get any agreements in writing from the collection agency and include in the agreement that they will either remove the item from your report or put the balance down to $0. Since this is a tenant issue you need to check some fo the tenant screening agency reports. Her eis a link from the CFPB with information about how to request those reports. https://www.consumerfinance.gov/about-us/blog/know-your-data-updated-list-reporting-companies/  Good luck.... Read More
You need to send a written dispute to the credit reporting agencies that this collection shows on, with a cc to the collection agency. Send the... Read More

eviction for bad behavior....... not for not paying

Answered 5 years and 2 months ago by attorney Lynn Ellen Coleman   |   1 Answer
If you have an eviction on your record - that is, a summary ejectment ation was filed against you in a small claims court - there is no way to "repair" this away. It is a truthful report. Even if the summary ejectment case had been dismissed, the fact one was filed against you is truthful. Avoid "credit repair" companies. Please feel free to tell me specifics about how this eviction is showing up if you need more clarification.... Read More
If you have an eviction on your record - that is, a summary ejectment ation was filed against you in a small claims court - there is no way to... Read More

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