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One more Mini Miranda Question


reno2360
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I was under the impression that a CA had to include a notation that an account can/will be reported to a CRA before they had a right to do so.

I have a correspondence from a CA and it does not state my account may be reported to a CRA so does that mean that they can't report it? The rest of the Mini Miranda is on the letter.

I will pay it, it is small and it is mine but if it won't show up on my CRA there is certainly no sense of urgency on my part. Actually I will pay the OC anyway.

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Unless your State's Laws state the consumer must be notified first, or within a set time after, they do not have to notify you. Such as, in California, the consumer must be notified, in writing, within 30 days before or after the negative entry is made.

You mention the debt is small and does belong to you. I would definitely remit the balance ASAP to the OC as you mentioned. You may want to send a letter to the OC first telling them you refuse to deal with their assignee and will pay them directly if they will recall and delete.

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You can find it in California Civil Code 1785.26(B). I must admit, your name had me thinking you were in the Reno area, so am glad to see you are in California. Go to the "Credit Repair" section of this site and click on our "Sticky" about California Law. There is sufficient information for you to read and use.

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