Stop Bill Collectors!

Missed payments, delayed payments, and inability to pay: these are some of the reasons why creditors make harassing calls.  They are able to get a lot of information about you and you probably don’t know how. You might be wondering how they can retrieve the majority, if not all, of your personal information: the answer is that they can legally pull a copy of your credit report and use that information against you.

If you don’t want to be bothered by these obnoxious creditors, you can legally change your information such as your telephone number, address, and other contact numbers so that these creditors won’t be able to reach you. This is 75% likely to give you freedom from your rude creditors after a few weeks.  Calls from these creditors are stressful because they call anytime of the day or even late at night. If they have the incorrect information (which you are about to sneakily give them) your creditors won’t be able to harass you if you made late payments or if you have missed payments.

Change your information by updating your credit report.

Remember: you are smarter than the average debt collector! Since creditors are retrieving your personal information through your credit report, it would only make sense if you update the personal information on your credit report to mislead your debt collectors. Once your credit report has been successfully updated and the creditors are able to gather this new information, they will not be able to reach you anymore. There will be no more harassment calls from rude creditors and you will be able to sleep peacefully at night.

Doing this takes three identical letters. “Dear Sir, I have changed my address to 1987 Main Street, Anytown, USA. Please update your records.” sign it, and include your Date of Birth and Social Security Number. Send one to each of the following addresses (a letter is best, they don’t accept personal information changes over the phone or on their website):

1. Equifax, P.O. Box 740256, Atlanta, GA 30374
2. Experian, PO Box 2002, Allen, TX 75013

TransUnion LLC, P.O. Box 2000, Chester, PA 19022

What address to use? It doesn’t matter. It isn’t against the law to give credit bureaus misleading information, and the only people using that new address will be bill collectors…the regular companies you deal with don’t pull address information from credit reports.

For a more permanent way to stop bill collectors from contacting you, see this article on forwarding your mail to an online service who will shred the collections notices for you.

Related posts:

1. How to Get Rid of Collections Notices in the Mail
2. The Free and Easy Way to Stop Bill Collectors’ Harassment
3. How to Stop GC Services Dead in Their Tracks
4. Cease and Desist Letter: Vital Information Often Overlooked by Debtors
5. How to Stop Bill Collector Calls with the Ol’Switcheroo

This entry was posted on Wednesday, November 18th, 2009 at 7:55 am and is filed under General Info, Stopping harassment. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.