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RMA question


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I have sent RMA a DV letter and it was verifyed They verified with my name and social security I do have them on 3 violations and it is my debt. one is they verified with the CRA and didn't verify with me. 2nd they failed to report it in dispute 3rd is they didn't validate my debt and they continue to report to credit bureau. They are reporting an incorrect balance owed which on my credit report is $2,232 and I really owe a little over $3,000. I tried to dispute as not mine and it didn't work. Would it be best to dispute as incorrect balance owed? Does RMA usually verify? This debt is due to come off my credit report this year but want to get it off earlier because i'm wanting to buy a house this year. Should I leave it alone? Any suggestions on what I should do would be great.

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If the debt is due to fall off your CR this year, then I would bet its beyond the SOL. You might check on that. Doesn't mean that RMA won't continue to try to collect, just that if they were to sue, you'd have an absolute defense. LadyNRed suggested sending this letter:

http://community-2.webtv.net/YCHANGE/STORAGE/page13.html

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Actually, that's a debatable problem. On the one hand, they can report on your CR any debt for 7 years + 180 days. On the other hand, they can only report accurate information. LadyNRed's letter kind of points out that if the debt is uncollectable because its SOL then the info they're reporting is inaccurate. And, if they can't verify it, its inaccurate anyway. So the letter sort of says "...here's two reasons why you should get off my credit report...".

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I had finally had some luck with RMA. After SEVERAL disputes (4) my SOL was up. SO I sent them the SOL letter and that I wouldn't pay them blah, blah, blah. I waited the 30 days then disputed to the CRA one last time and it miraculously disappeared. I'm assuming they just didn't respond. That SOL letter works wonders.

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