Collector - November 2016 - 33


HEALTHCARE

and train employees on proper credit
reporting practices.
Make sure your records are in sync with
the consumer information your clients have
given you; it will help ensure CRAs have
accurate information as you update it.

REQUIREMENTS FOR DISPUTE
If a consumer files a dispute with your
agency and not the CRA, there are certain
steps you can take to help the process go
smoothly.
Depending on the outcome of a dispute,
agencies must update a consumer's
information with the CRA to "reflect the
current status of the account, including any
transfer of an account to a third party, and
any cure of the consumer's failure to abide by
the terms of the account," Gavinski said.

Disputes submitted by a consumer directly
to a collection agency must be reviewed and
completed within 30 days of the date the
agency receives the dispute.
Furnishers may report the dispute status at
the same time they report the investigation
results. If the dispute reveals an inaccuracy
on the consumer's account, agencies must
notify each CRA holding the information.
Agencies, however, can also set some
requirements for consumers to help ensure
their dispute is handled properly. For
example, agencies can require consumers
to submit dispute information only to a
specific address.
If the dispute is deemed frivolous
or irrelevant, agencies can forgo an
investigation as long as they notify the
consumer of their reasoning.

"I've heard some
people say they won't
report because it's
becoming too much
of a risk, but from a
financial perspective
it's important for your
bottom line."

Collaborate with industry
professionals, and share
trade secrets to obtain
an economic advantage.

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2017
COLLECTOR 11.16

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Table of Contents for the Digital Edition of Collector - November 2016

President’s Page
Industry News
Best Practices
FYI
Collection Tips
Build Your Edge
Sky-High Expectations
Off the Hook
Calendar
Honor Roll
A Clean Bill of Health
How to Engage a Disengaged Employee
A Hire Purpose
NJ Appeals Court: Shorter Time Frame Applies to Retail Credit Card Debt Collection
Compliance
ACA SearchPoint
Last Word
Collector - November 2016 - Cover1
Collector - November 2016 - Cover2
Collector - November 2016 - 1
Collector - November 2016 - President’s Page
Collector - November 2016 - 3
Collector - November 2016 - Industry News
Collector - November 2016 - 5
Collector - November 2016 - 6
Collector - November 2016 - 7
Collector - November 2016 - Best Practices
Collector - November 2016 - 9
Collector - November 2016 - FYI
Collector - November 2016 - 11
Collector - November 2016 - Collection Tips
Collector - November 2016 - 13
Collector - November 2016 - Build Your Edge
Collector - November 2016 - 15
Collector - November 2016 - 16
Collector - November 2016 - 17
Collector - November 2016 - 18
Collector - November 2016 - 19
Collector - November 2016 - Sky-High Expectations
Collector - November 2016 - 21
Collector - November 2016 - 22
Collector - November 2016 - 23
Collector - November 2016 - 24
Collector - November 2016 - 25
Collector - November 2016 - Off the Hook
Collector - November 2016 - 27
Collector - November 2016 - 28
Collector - November 2016 - 29
Collector - November 2016 - Calendar
Collector - November 2016 - Honor Roll
Collector - November 2016 - A Clean Bill of Health
Collector - November 2016 - 33
Collector - November 2016 - 34
Collector - November 2016 - 35
Collector - November 2016 - How to Engage a Disengaged Employee
Collector - November 2016 - 37
Collector - November 2016 - A Hire Purpose
Collector - November 2016 - 39
Collector - November 2016 - NJ Appeals Court: Shorter Time Frame Applies to Retail Credit Card Debt Collection
Collector - November 2016 - 41
Collector - November 2016 - Compliance
Collector - November 2016 - 43
Collector - November 2016 - ACA SearchPoint
Collector - November 2016 - 45
Collector - November 2016 - Last Word
Collector - November 2016 - 47
Collector - November 2016 - 48
Collector - November 2016 - Cover3
Collector - November 2016 - Cover4
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