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What can a collection agency can do beyond reporting this to credit bureaus?
I got a parking ticket in SF by using a rental car, I disputed the ticket due to the reason that I think the machine was not working, but they came back with the machine was working and I have to pay for the parking, at the time I was out of country when they sent me the letter, when I came back, I paid the $53 parking fee, but it was late, they also charge me $30 late fee, I explained to them that the lateness was due to that I was out of country and I also provided airline ticket to prove it, but they would not listen, and forward this late fee to the collection agency, now it is added up to $90. At this point, they do not have my personal information as this is the rental car, but can they get my information from the car rental place? the bottom line is that I do not want to pay for the late fee, beyond of max of 50 points damage to my credit, is there anything else they can do. My credit is over 800, 50 points damage is not a big deal to me.
Tags: collections, credit bureau

What's wrong with submitting disputes online?
All the credit repair sites say you should only send in credit bureau disputes by mail but it seems to me like it should be a lot easier for me and for the credit bureau to do everything electronically. I don't have to waste time dealing with the postal system and the credit bureaus don't have to waste time sorting mail and physically opening an envelope.
Tags: credit bureau, credit dispute

Do the credit bureaus all have the same information?
If I get one credit bureau to delete a late payment will the other two delete it also or do I have to deal with all three.
Tags: credit bureau, late payment, credit repair

Why are you supposed to mail credit bureau disputes?
A lot of sites recommend mailing dispute letters to the credit bureaus instead of using the websites or calling customer service even though it seems like snail mail is much more inconvenient.
Tags: credit dispute, credit bureau