Resident Data on credit report?
Hiring the Ramos Law Firm can help you achieve your goals. Benefits to you by hiring us:
Resident Data Contact Info
12770 Coit Rd Ste 1000
Dallas, TX 75251-1348
How can Ramos Law Firm help me remove Resident Data from my credit report?
There are a two main methods that The Ramos Law Firm uses to attempt to remove an apartment debt collection from a credit report.
1. Dispute with Resident Data We believe that direct disputes yield the best results when we are hired. Texas residents are owed documentation to validate the apartment debt collection within certain time frames. Even if they provide the documents, they must be compliant with Texas Property Code § 92 and Texas Fair Debt Collection Practices Act (FDCPA). Your rights give us the opportunity to possibly find violations. Violations can possibly be used to offset the amount owed or entice the debt collector to remove the account from the credit report. Often a dispute process can take 45-90 days for a resolution.
2. Settle with Resident Data If you settle the apartment debt, we are often able to assist you in less than 30 days and with a cheaper legal fees. We create a Hardship letter detailing why you can not pay the full amount due. So many consumers do not go through this extra step and it will make you stand out. We ask for removal of the account from the credit report as part of the settlement. This is often called a Pay for Delete agreement. We then obtain a written agreement that states the terms of the agreement, the full release of claims, and stating whether they will delete the account from the credit report. You review this before you make payment to them.
Who is Resident Data?
They are an apartment debt collector hired by your previous apartment complex or property management company. They claim that you owe them money for some reason. Resident Data may be reporting wrong information on your credit report because they are being told to do so. This is why a direct dispute of Resident Data’s files is very important. If they are going to report it then it must be 100% correct, verifiable, and timely. We make sure that it is and that your rights are enforced.