How long does a CA have to respond to a DV?

[1flyfisher]

I just got off the phone with American Agencies to get the correct address and the correct account # and they said they will respond to a request for validation in 30-60 days. I said they had to respond in 30 once it is writing to them and the woman said because it was an old account that they did not have to respond within 30 days.

Is this true?

Also, should I send a DV registered mail or certified or just regular mail.

[stancil1]

Always Certified Mail Return Receipt Requested.

They don't have to respond to you at all. But until they respond, they can't verify with the CRAs without violating.

I wouldn't call them on the phone anymore and would certainly not tell them that they HAD to validate within X amount of time. They will attempt to trip you up and get you to reaffirm the debt which, depending on your location could reset the SOL.

Just DV them and if you don't hear back from them within 45 days, DV them again... Always check you credit daily and make notes of everything that is wrong or in violation (ie if they don't report the TL as being disputed by the consumer or if they leave it in perpetual dispute etc.). Once you've done this and have plenty of violations, then send them an ITS.

[1flyfisher]

Always Certified Mail Return Receipt Requested.

They don't have to respond to you at all. But until they respond, they can't verify with the CRAs without violating.

So what do you mean by this exactly. Do you mean the time that they receive my DV letter till the time they resopond they can't legally report to a CRA?

I wouldn't call them on the phone anymore and would certainly not tell them that they HAD to validate within X amount of time. They will attempt to trip you up and get you to reaffirm the debt which, depending on your location could reset the SOL.

Yeah I won't talk to them anymore.

Just DV them and if you don't hear back from them within 45 days, DV them again... Always check you credit daily and make notes of everything that is wrong or in violation (ie if they don't report the TL as being disputed by the consumer or if they leave it in perpetual dispute etc.)

What is a good way/place to get your CR daily?

[stancil1]

Yes, that's exactly what I mean. they don't care though because most people don't stick with it. So just stick with it and catch them in as many violations as you can.

I use True Credit. In order to beat the 14.95 per month charge, just do a search here for Walmart. You'll get it for 11.95 through Walmart Financial Services.

Also, do a search on bumpage

Hope this helps

D

[1flyfisher]

Thanks

I am learning every day.

I have two old AT&T and a PacBell account with CA's. I just finished typing up my first DV's and also one for Discover Card.

I just did a search on the homepage for Walmart and nothing came up????