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Any tips on getting paid collections deleted?


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i hav always seen on the boards that u dont send oc a dv letter but i took a chance and they sent my dv letter back and asked for ss# and copy of credit report i ignored it and sent second letter after i sent it they deleted account. account was from providian

You don't ask for Debt Validation under the FDCPA because it doesn't apply to OC's and should you end up in court you wouldn't want to sue under incorrect statutes. However, you most certainly can communicate directly with them and ask for proof but you would normally do so under the FCRA.

On the other hand, some OC's aren't aware that the FDCPA doesn't apply to them so they may conform and you can always get lucky.

Congrats on the deletion though ;)

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