I recently discovered a collections on my credit report, over $4000 U.S. The original creditor was a now defunct property management company. They are notorious here in Idaho for evading with over $1 million dollars of fraudulently gained monies I spoke to legal aid at v.a. Boise and they said I have a good case ? How do I proceed in clearing my credit report ? Please and thank you Mr. Tower


How do I proceed in clearing my credit report ?

Regardless of whether you retain an attorney on this matter, I suggest you to get acquainted with the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq., as it addresses the issue of correcting inaccurate credit reports.

Also search for court opinions involving the FCRA to get a better sense of how the Act is interpreted/applied.

Please note that this answer is rather generic. The creditor's alleged history of fraud and the fact that now it is a defunct company add complexity or uncertainty on how to proceed in your particular case.

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