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Closed border states are great for people who have money to live in because a lot of collection agencies may never call you or contact you in any way.
The exceptions to this are commercial accounts and if the collection agency that is trying to collect the debt from you is licensed in the same state as you are located.
How this works to your advantage is that if the collection agency that is trying to collect the debt from you is not licensed in your state, they will not be able to put anything on your credit report. Let me explain why…. The Fair Debt Collection Practices Act and the Fair Credit Reporting Act state that you must notify the debtor (i.e. you) in writing that you have a reason to dispute the validity of the debt in writing 30 days or the loan will be considered valid. Since the collection agency is not allowed to contact you when you live in a closed border state they can’t send it to you and you can still remove it even if you weren’t in a closed border state when you took out the loan Are .
To do this you have to dispute your bill. Let me make it clear that this does not remove the debt, but it does remove it from your credit report. What you need to do if you live in a closed border state and owe money to a collection agency that is not licensed in your state (most agencies are not licensed in many states, but some do) Receive mailings The address of the collection agency that is reporting this on your credit report. Along with the address you will need to get your account number, reference number, or file number. That’s all the information you need and you can get it in one very quick phone call, it will be quick and painless. Now that you have all of your account information you are going to send them a written dispute letter. Now in this dispute you want to specifically state “If you cannot validate this loan I would like it removed from my credit report immediately.”
Now the real beauty about being in a closed border state is that you can still contact the collection agency whenever you want with anything on your account and they can’t contact you back even if you tell them to give you Ask to be called back, even though they legally can’t call you. What you do is send the dispute letter to the collection agency with your demand that it be removed from your credit, then call them on the phone every couple of days to see if they have removed it from your credit report or No.
Below is the list of all closed border states
Alaska
Arizona
Colorado
Connecticut
Delaware
airy
Idaho
Mississippi
new Jersey
New York*
North Carolina
North Dakota
I
Maryland
Massachusetts
Minnesota
Oregon
Tennessee
Texas
Utah
washington
West Virginia
*Not New York statewide, it’s in Buffalo and New York City, you’ll need to check with your attorney general to be absolutely sure.
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