hiya1980 Posted November 8, 2008 Report Share Posted November 8, 2008 Hi,I have a couple of collections that are 1 1/2 - 2 1/2 years old and they are unpaid on my report. The balances look innacurate but I'm unsure due to the fact that alot was going at the time. My question is if I send them a DV letter, are they required to validate it since they probably notified me originally that I had 30 days to dispute. I am not positive they did though. Link to comment Share on other sites More sharing options...
willingtocope Posted November 8, 2008 Report Share Posted November 8, 2008 If they're CAs, then you can always take the position of "hey, I just found you on my CRs. I never had an account with you people. Prove to me you have a right to be there, or get off my reports." Which is a kind of DV....they may or may not respond. Realize that by doing this, you're bringing yourself to their attention. Link to comment Share on other sites More sharing options...
hiya1980 Posted November 8, 2008 Author Report Share Posted November 8, 2008 Thank you for the info. Greatly appreciated! One account was from TXU and its paid. The CRA's verified it, but we had electric service at the time but did get behind a bit and it was never suppose to be a charge off due to the quick attention we took to this and got it paid up. Also which letter template should I use for the letter you suggested? Link to comment Share on other sites More sharing options...
willingtocope Posted November 8, 2008 Report Share Posted November 8, 2008 You're really better off just putting together a letter in your own words. Basically, all you have to say is what I pointed out.... Link to comment Share on other sites More sharing options...
hiya1980 Posted November 8, 2008 Author Report Share Posted November 8, 2008 Sweet! I always enjoy the info. One last question regarding this account:Would I come out better possibly writing a higher up in the company explaining the past hardship and also bringing to their attention the quick payment that we made to address this item. I might also state that Im a current customer that is on time, and this negative entry is drastically affecting my scores due to there are only 3 collections? Sorry if that was confusing Link to comment Share on other sites More sharing options...
sunset Posted November 8, 2008 Report Share Posted November 8, 2008 Leave the other collections on your report out of your letter. They don't need to know this. Link to comment Share on other sites More sharing options...
scottb99 Posted November 12, 2008 Report Share Posted November 12, 2008 By looking at your location, you are from Texas. You can DV anytime and it is legit. Review the TFC or search the forum there is a lot of info here on it. Link to comment Share on other sites More sharing options...
hiya1980 Posted November 13, 2008 Author Report Share Posted November 13, 2008 By looking at your location, you are from Texas. You can DV anytime and it is legit. Review the TFC or search the forum there is a lot of info here on it.thanks man! Link to comment Share on other sites More sharing options...
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