are DVs still effective past 30 days?

[sharizap]

Most of our "issues" are WAAAAY past 30 days since the CAs or OCs first contacted us. And, we don't really get all that many letters now at all, since we moved in Dec. (takes a while for them to find you.)(that's not why we moved btw. Just sayin'.)

Anyway, all the info on credit repair says you have 30 days from when they contact you to ask for validation. What if it's past that? What if it's... oh, say, years past that? Are they still required to respond and validate?

[sharizap]

bump

[thomassl]

Remember that CA's do not have to respond to your DV's. I would suggest getting your credit reports to see exactly what is going on. You can then dispute with the CRA's, however, you could awaken the debt and start getting calls and letters. Everything depends on just exactly you are wanting to do.

[IHateCAs]

As far as continued collection/providing verification is concerned, no.

As far as reporting the debt as disputed, yes.

[FICOrebound]

Can you win against a CA to have to pay for not report in dispute if DV is sent after 30 days?

[kevin3344]

I've gotten rid of NCO, AFNI, and others years after their initial letter I didn't even know what credit repair was back then. Once I learned I DV'd everyone regardless of how old it was, with positive results I might add. Some will ignore you though, so prepare for that. But for the most part it works.

[someonesomewhere]

As with most things credit repair, it's a lot like Vegas. But the odds might not be as good for The House, particularly if you read CIC.

Some days ya double down and win.

Other days ya crap out.

Before I knew any better, I DVed 2 OCs and got 2 deletes.

On one I was an AU, so that was an easy delete. Then SWMBO got that TL deleted from her CRs without even asking, trying, disputing or anything. Some sort of osmosis effect. Or perhaps a bit of orogeny and isostasy.

The other OC was within about 18 months of dropping from my reports.

[someonesomewhere]

Also, if you're in Texas, state law says the CAs still have to validate or FOAD--even if it's beyond the 30 day window.

[kel]

I have found that most will respond to a DV even if its past the 30 day dispute period. I think, they probably do this (especially if you have ignored their contacts for years) just to get you communicating with the hopes that they can get you into some form of payment agreement. Be very careful not to make any admissions. I just say something like " I recently pulled my credit report and noticed that you are reporting a debt. I have no knowledge of this account and

dispute the validity." then make your request for validation. I always ask for the standard info plus a copy of any signed contracts. Then I tell them that I will not settle for any less than the information requested as validation. They usally will send some lame validation that contains none of the info requested. I then send another request and let them know that this claim is looking suspiciously fraudulent if they can't produce the requsted info they need to delete the trade line.

Good luck

kel

[gorjus99]

Hello Everyone, Officially this is my post. I need serious help with removing a PAID Collection account and PAID Charged Off. I have purchased Christy book sent the letters, waited for response and not getting the results I was hoping.

The Credit Bureaus claimed they verified and investigated my disputes, but they are lying. The collections agency are not responding to DV letters. I'm at my wits ends.

Should I have attorney or credit repair company to do this for me?

I have been sending letters for 9 mos. not results. Be careful not the dispute online with equifax, your Fico score drops immediately. This happen to me twice before I have found this website and start using the techniques on this board.

Please HELP!!

[gorjus99]

Hello Everyone, Officially this is my 2nd post. I need serious help with removing a PAID Collection account and PAID Charged Off. I have purchased Christy book sent the letters, waited for response and not getting the results I was hoping.

The Credit Bureaus claimed they verified and re-investigated my disputes, but they are lying. The collections agency are not responding to DV letters. I'm at my wits ends.

Should I have attorney or credit repair company to do this for me?

I have been sending letters for 9 mos. no results. Be careful not the dispute online with equifax, your Fico score drops immediately. This happen to me twice before I have found this website and start using the techniques on this board.

Please HELP!!

[Tazjeepcj7]

gorjus99 - Post your own thread, you will be more likely to receive replies. I have two collection items I'm trying to get rid of myself without much luck so far.

[IHateCAs]

Can you win against a CA to have to pay for not report in dispute if DV is sent after 30 days?

The act of them communicating information about the debt, without also communicating that the debt is disputed is a violation of the FDCPA. So, if they are a CA that updates your TL monthly like some do, when they update without the dispute notation, they are in violation.

A more murky situation is the type of CA that just places the TL and never updates it.

You can force their hand with a CRA dispute. If they respond to the dispute, they must update as in dispute. So you can avoid the murky complications I mentioned above if you CRA dispute after an untimely dispute.

I suggest waiting about 2 weeks from the time they receive your dispute before you submit a CRA dispute. The "1-2 punch" advocated on consumer credit boards leaves the CA some breathing room to claim that they didn't have enough time to process the DV before they responded to the CRA dispute (assuming they update quickly to the CRA dispute).

Their claim may fail, but I try to make things as blatant as possible to avoid complications down the road. It's much harder to argue that they got the dispute, didn't update their system for 2 weeks and did not report as in dispute to the CRAs as a result of a bona fide error.

[someonesomewhere]

gorjus99,

Start a new thread with a few more details. Threadjacking isn't polite.

[gorjus99]

Hey Guys,

Keep at it because perseverance does pay off in the end.

I have Wonderful NEWS to say to the ALL. Debt Validation Does Work. I got Christy's book and followed the instructions to the core. Except, I changed a few wording to match my situation. (CA's are aware of these letters.) I was going to use a credit repair service to help me. I saved $3600 in my pocket.

My original post was, looking for help with DV. All I can say is DON'T GIVE UP.

I sent all of my letters by CRMM and Proof of Service by Mail. My first letter I sent was the one Christy recommend to send to CA to DV. Then I sent a follow up letter to CA to remind them of FDCPA and FCRA Violations for not responding.

My 3rd and Final letter was a DEMAND letter giving them history for not responding in 30 days and Listed each Violations in the letter with a total amount due owe to me, if they don't respond in 5 days. My last letter reached their office one day after I sent it and within 24 hours, Collection Account were DELETED on all 3 credit bureaus systems.

Also I was able to get Inquiries Removed from my Equifax CC in 3 days.

I followed the instructions Angel gave and it worked.

I'm now working on 2 PAID Charged Off to be deleted with the TU & Experian Credit Bureau.

Best to Luck to all,

http://www.debt-consolidation-credit-repair-service.com/forums/images/smilies/wiggle.gif

Gorjus 99