Removing a cell phone collection account from your credit report can be a difficult task. There are three credit reporting agencies that you need to get in contact with to remove your account: Equifax, Experian and TransUnion. Removing the account depends on how that cell phone account ended up in collection. If identity theft occurred, there are the steps you need to take for removal.
Go to your local police station. A police officer will take down your information and have you fill out and sign a theft affadavit. This shows you are serious and the collection account is not yours because filing a false police report is against the law.
Contact each of the three credit reporting agencies. If you have not done so already, obtain a free copy of your credit report from each agency. Believe it or not, they do not have the same information regarding your credit information.
Fax or mail your theft affidavit to each agency with any other documentation you feel necessary to prove your innocence.
Follow up after the information has been sent to the credit agencies. Sometimes your information can get lost in the shuffle, unfortunately. You need to stay on top of them to remove that information because your credit score follows you throughout your entire life. If you want to buy a car or a house, or obtain a credit card with a decent rate, you will need a decent credit score to accomplish that.
- "Backstage East" magazine; Credit Report Cleanup; Paul Haber; December 2005