crazeedazee02 Posted January 21, 2005 Report Share Posted January 21, 2005 Arrow Financial Services bought a debt from JCPenney's of mine for $286. They have changed the Date Open from 3/01 to 3/03. What do I do? If I dispute the debt with the CRA as having wrong dates then don't they just have to fix the date? I want it removed! If I do a debt verification will they also just have to fix the date in that case? My feeling is that I need to threaten suit unless they delete the debt. Am I right on this? Will that work or do I actually have to file? What does it actually cost to file suit as I am real short on $$.If you guys think I could just send a letter threatening to sue, then what do I put in it? Anyone have a sample letter or anything?Thanks in advance for any advice you can give me! It is all appreciated. Link to comment Share on other sites More sharing options...
divemedic Posted January 21, 2005 Report Share Posted January 21, 2005 DV them. Follow the standard procedure. You have to rack up a few violations to get them. It will take time. It took time to get into this mess, it will take time to get out. The average time to fix your credit in my experience is about 6-9 months. Link to comment Share on other sites More sharing options...
crazeedazee02 Posted January 21, 2005 Author Report Share Posted January 21, 2005 Do I point out the reaging in the debt verification letter? Link to comment Share on other sites More sharing options...
divemedic Posted January 21, 2005 Report Share Posted January 21, 2005 Not at first. Just stick to the basics. You are reporting a TL to my CR. Please send validation.Give them lots of rope to rack up more violations. The more you can get, the more difficult it is for them to defend against the suit that may follow. Link to comment Share on other sites More sharing options...
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