nuchielaga Posted March 21, 2007 Report Share Posted March 21, 2007 Hello,This is my first post. I'm trying to repair my credit, but from the 6 accounts I have, only 1 is a CA and the other 5 are OCs (all the Ocs have a status of CO).So basically, what can I do? I read that the DV method works for CA only as they are enforced by the FDCPA, so which is really the best way to approach OCs? All your help is greatly appreciated!Andrea Link to comment Share on other sites More sharing options...
VonAngel (aka EarthAngel) Posted March 21, 2007 Report Share Posted March 21, 2007 So basically, what can I do? I read that the DV method works for CA only as they are enforced by the FDCPA, so which is really the best way to approach OCs? http://creditinfocenter.com/repair/DisputingWithOriginalCreditor.shtml Link to comment Share on other sites More sharing options...
brattylatina Posted March 21, 2007 Report Share Posted March 21, 2007 I haven't had the nerve to dispute with OC directly but I am going to try this week with Providian and Crap 1. I'm just trying to figure out what I can dispute. Link to comment Share on other sites More sharing options...
stormywsmn Posted March 21, 2007 Report Share Posted March 21, 2007 I'm scared of it too. How many of you have had luck disputing with the OC? Link to comment Share on other sites More sharing options...
someonesomewhere Posted March 22, 2007 Report Share Posted March 22, 2007 Before I knew any better, I DVed two OCs. DVing an OC carries with it ZERO legal weight. DVing is only for CAs.That said, I got two deletions. CITI and HSBC. On CITI I was an authorized user, not a card holder. On HSBC, it was a purchased bank so perhaps their record keeping wasn't so pristine.It's $5 to give it a try CMRRR. 39 cents if you wanna go cheap.If the SOL has passed for suing you, you've got nothing to lose--except perhaps a couple of mailroom clerks laughing at your expense saying, "Look at this dumba**! Doesn't he read CIC? Ya can't DV us. We're a freakin' OC! Ha, ha, ha, ha, ha, ha, ha!" Link to comment Share on other sites More sharing options...
nuchielaga Posted March 23, 2007 Author Report Share Posted March 23, 2007 Well...I have to dispute Providian and Chase...I know...not easy, but I have to do as much as I can before trying a settlement.Thank you for all your replies...keep posted. If anyone has good results with any of these 2, please let me know. I really appreciate it! Andreanuchielaga@hotmail.com Link to comment Share on other sites More sharing options...
someonesomewhere Posted March 23, 2007 Report Share Posted March 23, 2007 YMMV, but I had good luck with Chase. Several years ago, despite accounts going upwards of 120 days late, I worked out payments, made 'em current, and paid 'em off. They settled one for less than the full amount. Just recently, I goodwilled away all three Chase TLs. Link to comment Share on other sites More sharing options...
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