pinkeysas Posted March 28, 2007 Report Share Posted March 28, 2007 I pulled my CR's because i am looking to get a home next year. There are a few CA reporting debts on my CR's. One of which was contacting me by mail a few years back, but at that time I ignored them because I was scared and didn't have any money to get them off my back. The last letter they sent to me was dated 6/10/05. I am wondering if I should send them a DV letter or if I should send them a PFD letter offering them 50cents on the dollar for the amount my CR states I owe them? Link to comment Share on other sites More sharing options...
kevin3344 Posted March 28, 2007 Report Share Posted March 28, 2007 (edited) It depends as to what the Date of 1st Delinquency is for this debt. You can look at your EQ report or call the CRA and ask for it. I always start with a DV; that's the course of action that has always worked well for me.________Zoloft Lawsuit Info Edited September 9, 2011 by kevin3344 Link to comment Share on other sites More sharing options...
someonesomewhere Posted March 28, 2007 Report Share Posted March 28, 2007 I agree with kevin. Always DV a CA first. Link to comment Share on other sites More sharing options...
pinkeysas Posted March 28, 2007 Author Report Share Posted March 28, 2007 i have my CR and there is no DOFD. Only stated is:On TransUnion Report......Date Updated: 1/2005Date Placed for collections: 12/2004Date to be removed: 11/2009On Experian Report.........Date Opended: 12/2004REported since: 1/2005Date of Status: 1/2005Last Reported: 1/2005Continue on record until: 9/209And I thought that i could only DV within 30 of their contacting me????? Link to comment Share on other sites More sharing options...
kevin3344 Posted March 28, 2007 Report Share Posted March 28, 2007 (edited) TU and EX don't show it, however you can compute it from the 'date to be removed'. I would say 9/2002 (going by the earlier date) was the DOFD.You can always DV, they just have to stop collection activity within the first 30 days. I've gotten AFNI, NCO, and others off YEARS after they were on my reports.________HOW TO ROLL A JOINT Edited September 9, 2011 by kevin3344 Link to comment Share on other sites More sharing options...
pinkeysas Posted March 28, 2007 Author Report Share Posted March 28, 2007 I was just asking because i thought that if a CA sends you something by mail stating that you owe them money and on the bottom of said letter there is a statement that says something along the lines of..."this is an attempt to collect a debt, any information received will be used for that purpose. If you dispute this debt do so in writing withing 30 days of receipt of this letter. Otherwise you will assume responsiblity for this debt"That you were unalbe to dispute it.Should i just DV and if they respond by telling me that they sent me something by mail 2 years ago. Deny that I ever recieved it?How did you get Afni removed? What did your DV letter say? Link to comment Share on other sites More sharing options...
kevin3344 Posted March 28, 2007 Report Share Posted March 28, 2007 (edited) I used the DV letter from this site, for the most part. It's in the debt validation link above this board. To answer your question though, yes, most of the time a CA will send you a letter after the initial phone call that says something like "unless you dispute the validity of this debt within 30 days we will assume the debt is valid". At that point, they can place it on your reports. However, that doesn't mean you can't DV!...they just don't have to cease collection activity. I'll give you an example. When I moved from NY to NC I had a utility bill that was sold to a CA. For some reason the utility co. said they couldn't get into turn off the utilities and the tenants ran the bill up in my name to the tune of $5,034. That's a long time not to be able to get into a building! Anyway, the CA was on my report for 2-3 years. I always disputed with the CRAs and it came back "verified" as mine. When I found this site, I sent them a DV which said, in part, "send me copies of the debt and that you are licensed to collect in my state". They did. I got copies of everything from the OC, but the CA wasn't licensed to collect in NC. They remove the CO from all 3 of my reports!!!About a month later, I received a new letter from a CA for the same debt. This time, they were licensed in NC. Ok, I DV them, too. They never respond and never place anything on my reports. That was over 2 years ago. Since then I've bought a home and have gotten other credit.So DV does work, even outside of the 30 days. Think about this: what if I hadn't DV'd? I would be looking at a $5k+ charge off on my reports till this day!________Avandia lawsuit information Edited September 9, 2011 by kevin3344 Link to comment Share on other sites More sharing options...
someonesomewhere Posted March 29, 2007 Report Share Posted March 29, 2007 I initially used some of the nutcase DV letters from CIC, but now I use a very simplified DV letter. Seems to be the recommendation of a lot of the old pros in here."I recently pulled a copy of my credit report, and I noticed you are reporting I owe you a debt. In accordance with my rights under the FDCPA, I request that you validate this debt."I sent them, in some cases, YEARS after initial contact. Even DVed a couple of OCs, and they deleted. Go figure. The threat of validation is so severe that even some OCs will yield.For the record, there is nothing in the law that requires an OC to do ANYTHING in response to a DV letter. Link to comment Share on other sites More sharing options...
CantCU Posted March 29, 2007 Report Share Posted March 29, 2007 I'm having quite a bit of success with DV's on old debts as well and disputing with the CRA's. Of course, the CRA writes back "verified". What has really worked for me is to wait for the CA/JDB to write you and say "we are still attempting to verify, and can you send us blah, blah, blah". Once I get that letter from them, I do nothing. I don't respond to them (why should I do their job??). Wait 30-45 days and send that letter to the CRA's...saying simply, "This CA/JDB has claimed to have verified with you, yet they cannot verify it with me. Please remove". And they do! At least so far. Link to comment Share on other sites More sharing options...
someonesomewhere Posted March 29, 2007 Report Share Posted March 29, 2007 What has really worked for me is to wait for the CA/JDB to write you and say "we are still attempting to verify, and can you send us blah, blah, blah".Seems you might also have 'em on a violation. If they tell you they are attempting to verify, then it seems that they have acknowledged they are responsible to verify. By persisting in their collection efforts, they are attempting to collect without verifying.Not a lawyer--on TV or in real life. Link to comment Share on other sites More sharing options...
CantCU Posted March 30, 2007 Report Share Posted March 30, 2007 Seems you might also have 'em on a violation. If they tell you they are attempting to verify, then it seems that they have acknowledged they are responsible to verify. By persisting in their collection efforts, they are attempting to collect without verifying.Not a lawyer--on TV or in real life.Probably do have 'em on a couple of violations. So they need to go away...and now. Link to comment Share on other sites More sharing options...
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