Nesreen Posted August 13, 2008 Report Share Posted August 13, 2008 Hi everyone, I'm new here and have been reading all over the place... I'm already addicted to this website! I love it!I wanted to get some opinions on requesting DV on items which the SOL has already expired. One of these items is with a CA and the other is with the OR (two completely different debts). Both have an expired SOL, but they won't fall off my report until 2010... and I don't know if I can wait that long.My question is, would it be better for me to send both companies a DV letter and try to get these items removed from my credit or should I just shut up and deal with it until they fall off my CR? Also, if I do request a DV - can I do this with the OR or is this only an option with the CA?I look forward to your responses! Link to comment Share on other sites More sharing options...
will35010 Posted August 13, 2008 Report Share Posted August 13, 2008 Hi everyone, I'm new here and have been reading all over the place... I'm already addicted to this website! I love it!I wanted to get some opinions on requesting DV on items which the SOL has already expired. One of these items is with a CA and the other is with the OR (two completely different debts). Both have an expired SOL, but they won't fall off my report until 2010... and I don't know if I can wait that long.My question is, would it be better for me to send both companies a DV letter and try to get these items removed from my credit or should I just shut up and deal with it until they fall off my CR? Also, if I do request a DV - can I do this with the OR or is this only an option with the CA?I look forward to your responses!You live in TX so you can DV anytime. Check out the Texas Finance Code for more information. Make sure you dispute with the CRA first.I would DV the CA and send a 623 to the OC. If it's past SOL, it's not like you are going to stir-up a lawsuit. Link to comment Share on other sites More sharing options...
Nesreen Posted August 13, 2008 Author Report Share Posted August 13, 2008 Would I need to dispute with the CRA first for both the CA and the OC or just for the OC? Because I thought I was supposed dispute the CA simultaneously with the CRA... is that not right? Link to comment Share on other sites More sharing options...
LeslieR Posted August 13, 2008 Report Share Posted August 13, 2008 You don't HAVE to do the "1-2 punch" - it's just a way of generating a potential violation that you can use as leverage to request a deletion. You DV and then dispute with the CRAs as soon as you get the green card back. If they verify or update, then you send them a letter explaining the error of their ways and requesting deletion as remediation for their mistake. If they don't comply, you complain to the BBB and/or AG using all of your correspondence and their lack of repsonsiveness as evidence of willful noncompliance. And you request deletion of the TL in the section where you're asked what outcome you'd like to see. (Or you sue...but that's never been my choice). Link to comment Share on other sites More sharing options...
Robert Nashville/Savannah Posted August 13, 2008 Report Share Posted August 13, 2008 When disputing tradelines on your credit bureau reports, both TX and Federal law makes it incumbent upon the consumer to identify specifically what is wrong/incorrect with the entry and to supply whatever supporting documentation/information you might have in order to substantiate your dispute.So, if you are vague or can't substantiate your dispute, the likelihood of getting the tradeline removed will decrease.In other words, try to find things wrong with the tradline(s) for which you can find support for your position.However, if the data furnishers violate the law by, for example, refusing to provide verification of the debt while concurrently verifying with the bureaus, then that will create some leverage for you to use to get the tradeline removed. Link to comment Share on other sites More sharing options...
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