First: A creditor cannot send your defaulted loan to a collection agency until 6 months after you default. If true, what would happen if they did? Second: A collection agency must send you a letter telling you that they are going to file negative information in your credit report before they actually do so and give you 30 days to respond. If this is true, is there anyway to use it to get the info off your report? I know I never got any notice. But, couldn't they just manufacture a letter now and back date it? How would you go about proving they did not send you a letter? Can you demand a copy of it? Any comments are appreciated.