A consumer came to InCreditable Advisors because they were notified by a collection agency for a debt they had no idea ever existed. They had received a ticket because they could not provide valid proof of insurance at the time. She was told to provide the license branch with proof of insurance. Then the ticket would be voided and no longer due. She did just that, as advised and faxed over a copy of insurance information and thought it was taken care of.
Unfortunately, Our she was apparently wrong. Although they faxed proof of insurance, they were never notified by the license branch that the information was invalid. In addition, it needed to be sent by the insurance carrier directly as an official document. Again, she was not notified by the license branch or the county that the information was invalid and that the ticket was owed. After a year the collection company sends a letter showing a balance past due. She was told by the collector that if they paid the bill immediately it would not appear on her credit reports. Obviously, she paid it in full. However, when she later pulled a credit report from all three credit bureaus, it was in fact listed on her credit profile showing unpaid.
She client attempted to correct the situation through disputes to the collection agency and the credit bureaus. However, no changes were ever made. The bureaus and the collection agency claimed that the debt was valid. The collection agency claims that they sent letters to her that was returned “undeliverable”, when they submitted a letter within the initial 30 days after the invalid insurance information was provided. However, she has never moved, therefore they would have gotten the mail if they sent it within the first 30 days as they stated. She never received anything in the mail from the County the ticket was issued stating a balance was due, nor a letter from the license branch.
Result: She decided to seek out the professional services of InCreditable Advisors and within a few months, the debt is has now been removed and deleted from all three major credit reporting agencies Experian, Equifax and TransUnion. In return, our client’s credit score improved by 76 points.
InCreditable Advisors – Restoring your greatest asset…Credit.
InCreditable Advisors is Indy’s #1 Credit Consulting Company. We are fully licensed, registered, and Bonded as required in every state in which we operate. Our company’s specialization is Credit Repair, Debt Settlement and Credit Education. Our service is empowering and impactful in the ways we assist with all phases of the credit rebuilding processes. Call us today at 317.837.4969 for a FREE initial credit analysis.