If you believe the NRA Group collection is inaccurate, not yours, or you simply want to ensure everything is correct, follow these steps:
1. Review your credit reports from all three bureaus (Experian, Equifax, TransUnion) to confirm how NRA Group is reporting the account.
2. Gather any supporting documents, such as account statements, payment records, or correspondence from the original creditor or NRA Group.
3. If you are within 30 days of receiving the initial collection notice, send a written debt validation request to NRA Group. Clearly state that you dispute the debt and request verification. Keep copies of your letter and proof of mailing.
4. If you are outside the 30-day window, or if NRA Group continues reporting after you sent a validation request, file a dispute with each credit bureau reporting the collection. Specify what is inaccurate or unverified, and include copies of any evidence.
5. The credit bureaus will investigate and must respond within 30 days. If they cannot verify the account, they are required to delete it from your report.
- Check all three credit bureaus for NRA Group reporting.
- Send a debt validation letter within 30 days of first notice.
- Dispute with the bureaus if the account is inaccurate or unverified.
- Keep detailed records of all communications.