yourimage Posted May 3, 2005 Report Share Posted May 3, 2005 After reviewing this site I feel a lot better about my situation, I just have a couple of questions. DV Letters: What is the exact purpose? When should I send them and to who? Do I do this after my disputes with the CRA's? What are they required to do or prove to you?Removing Duplicates: What is the best process when you have multiple Dups on a report. Do you contact the CRA or the CA or OC? Are these easy to get removed?Updated reports: If I plan to pay some items off how is the best way to get an updated report? Do I just pay them off and then ask the CRA to verify the info is correct? Thank you Link to comment Share on other sites More sharing options...
miracle Posted May 3, 2005 Report Share Posted May 3, 2005 DV Letters: What is the exact purpose? When should I send them and to who? Do I do this after my disputes with the CRA's? What are they required to do or prove to you? They need to prove to you what you owe, how you owed it and that they have a right to collect the debt they are trying to collect on. You send them to Collection agencies. Then, once you recieve the green card back on the DVs, you send a letter to the CRA's disputing the listing.Removing Duplicates: What is the best process when you have multiple Dups on a report. Do you contact the CRA or the CA or OC? Are these easy to get removed? Dispute with the CRAs as a duplicate listing.Updated reports: If I plan to pay some items off how is the best way to get an updated report? Do I just pay them off and then ask the CRA to verify the info is correct? When you pay it off, it should update automatically. But the best way is to negotiate with the OC or the CA and settle the account for deletion or a "paid in full" status. Thank youWelcome Yourimage! -Jenn Link to comment Share on other sites More sharing options...
yourimage Posted May 3, 2005 Author Report Share Posted May 3, 2005 What is the green card?So if you do not get verification back from the CA but they did verify with the CRA you should demand removal or I will sue? Link to comment Share on other sites More sharing options...
breathing_easier Posted May 3, 2005 Report Share Posted May 3, 2005 What is the green card?You should send all correspondence to a CA or CRA CMRRR (Certified Mail, Return Receipt Requested). The receipt you receive showing that the recipient received and signed for your letter is in the form of a "green card." If you need help in sending a letter CMRRR, someone at your local p.o. can assist you.So if you do not get verification back from the CA but they did verify with the CRA you should demand removal or I will sue?To make things less confusing, "validation" is something a CA must do, "verification" is something a CRA must do. Yes, if a CA hasn't validated the account with you, but verifies it with the CRA, then that is a FDCPA violation. Since you're new, be sure to read all the "stickies" (permanent posts) at the top of each of the forums, especially the Credit Repair forum. Also read everything under the links on the homepage and at the top of this page.Welcome to CIC and good luck! Link to comment Share on other sites More sharing options...
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