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does this still work?


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Here's how I recently removed a paid collection:

1) Sent a dispute letter to the CA. This is the same as a DV letter, except I replaced "debt validation" with "dispute" in the letter.

2) Disputed the TL with all 3 CRA's. Came back as verified.

3) Sent the CA an ITS letter outlining their FCRA violations. Gave them 7 days to remove the TL's and pay me.

4. Checked my CR's and all TL's are gone!

I'm curious about 1 thing.

A> Does it still work?, or have most collectors caught on to this? seems like a nice loophole.

Where's divemedic? He would know.

I think this is the law that is being applied.. FCRA Section 623(a)(3).

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