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Hey Big John


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I saw where you wrote that you laugh when you see people say they are sending out their MOV letters, and I was wondering is this tactic obsolete now or was that just about people that were needing to do DV's and were doing MOV's instead?


IMO, it's obsolete now. All they do is send you a form letter saying, "contact the data furnisher (DF)". There are some times when MOV can be useful, for example, EX "verified" some data I challenged when I knew the DF was out of business. The other two CRA's deleted, but EX verified. I was able to get them to delete though.

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Hey BigJohn,

Just researched this a little more and it seems if the CRA's blow you off with such a letter they would indeed be violating FCRA Section 611 (a)(6)(B)(iii), which I highlighted in red. What do you think?? The last sentence which refers to "if reasonably available" I would take as OC'c telephone number.

(B) Contents. As part of, or in addition to, the notice under subparagraph (A), a

consumer reporting agency shall provide to a consumer in writing before

the expiration of the 5-day period referred to in subparagraph (A)

(i) a statement that the reinvestigation is completed;

(ii) a consumer report that is based upon the consumer's file as that file

is revised as a result of the reinvestigation;

(iii) a notice that, if requested by the consumer, a description of the

procedure used to determine the accuracy and completeness of the

information shall be provided to the consumer by the agency,

including the business name and address of any furnisher of

information contacted in connection with such information and the

telephone number of such furnisher, if reasonably available;

~Taking Back Our Credit The Legal Way :D

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