Thank You. I have gotten a few replies, but none that helps me out with my situation, however, I really do take heed of advice, so I will keep positng as you suggested.

no problem minman1..

how is it going? how do you find this website? are getting enough help or advice coming from the members of this site?

we hope that somehow we have helped you with your concern or problem. just continue posting if you come across to something that you are not sure or not knowledgeable with especially on credit cards or personal finance.

thanks..

ok. got it

hi minman1,

you are not breaking any rules. my last post was for crazyspider because he posted a link that would lead to a different website. it is an act of spamming. advertising your website with another site rather than posting any concerns you have.

I apologize was not aware I was breaking rules...Why was I breaking the rules?

hi crazyspider,

have you read the rules and policies for posting? i think you are not abiding the rules for the reason that you have placed a link that will direct to a different website. this is considered spamming. we are sorry but we need to delete your post.

The collection agency will NOT remove any collection notice sent to a credit bureau. It stays on your credit report for 6 years. If this debt is paid in full or at a mutually agreed amount, then the collection agency will issue a release to the credit bureau stating that this debt has now been paid. That information will be shown in the collections section of your credit report. Also, if the collection agency chooses not to produce any debt validation, you have no recourse. There is no legal requirement in Canada for a collection agency to produce debt validation. In order to do this, you would have to initiate litigation against the collection agency through the judicial system.

Good Luck and have a GREAT DAY

I am thanking you for your advice. I just sent a registered letter to the Collection Agency and asked them to only contact me in writing for all future correspondences, and I have also asked them to validate the debt for me.

Should the collection agency(once they received my registered letter) remove that collection until they can validate the debt...Validation requires a lot ot paperwork to be done between the collection agency and the rental agency...

When you send a letter to Equifax to conduct an investigation, here is what happens. Equifax will contact the collection agency by phone or by fax to confirm that the debt does exist. Of course, the collection agency will confirm that the debt does exist and that is the end of their investigation. Equifax will then contact you and tell you that they have concluded their investigation and there will be no changes made to your credit report.

Here is what I suggest you do. Contact the collection agency and offer them $100 in full satisfaction of this debt. If they refuse, ask them to take you to Small Claims Court. The likelihood of that happening is nil. For a debt of $671, it isn't worth their time. Stand your ground and don't offer them a penny more. If they accept, ask them to prepare the agreement which in essence says that in payment of $100, this debt is paid in full. Ask them to send it to you under the signature of the person who has authority to sign this agreement on behalf of the collection agency. Then and only then do you pay any money. Before you send them any money, keep a copy of the agreement for your records and make a note of how, when and where you made the payment. After they receive the money, request a release stating that this debt is paid in full. Take a copy of this release and send it to Equifax. This becomes their authority to remove this debt from your credit record.

See my blog on the Forum ---- Canadian Credit Repair ---- Correcting Credit Report Errors ---- Virtually Impossible. It will give you some background on what goes on behind the scene.

Good Luck and have a GREAT DAY.

I moved out of my rental property in October 2009. In the middle of Nov 2009 I received my statement of account and was horrified when it readc that I owed the rental agency 671.00 and that is after they took my 471 security deposit they had for the past 16 years.

I wrote to the rental agency disputing this debt and they wrote back saying that I owed the money. I did not hear anything aobut that debt again until January 2010 when /I got a call from a collection agency regarding the debet. I agreed to pay her a lump sum of 50.00 because I do not owe that money...They charged me 200 dollars just for cleaning(thing is they came in the next day after I moved out and took out the windows, carept and lino) I had lived there for 10 years and my neighbors called me to let me know that was happening to the vacated premises).

Anyways The collection conmpany called again and and I offered to pay them 100 to settle the debt..She refused...I recently applied for a line of credit and walla...that debt is on my credit report as derogatory... I have never received a letter from the collection agency.

I have since written a letter of dispute to the collection agency, and have asked Equifax to do an investigation . I have also sent a letter to the collection agency asking for validation of the debt. I have since received one phone call from that collection agency but it was just a vm on my phone...

I really need to move forward with this credit report...does anyone have any advice for me...it wil be much appreciated....