DV letter responses...what do I do now

[wishzane]

DH and I are trying to get his credit cleaned up and back on track. On 2/21/2012 we sent off 6 DV letters...5 to collection agencies, one to a bank. We have received a response from 4 but not sure if what we got are considered validation. Can anyone help us?

Letter 1: Plain white paper, CA's name, address and phone numbers at the very top. DH name and address next and the date of the letter. Next it says:

VALIDATION OF DEBT

Per your request, below is the information regarding the debt (s) you owe. The amount owed, name of original creditor, and date of occurance are provided. If you would like to resolve this issue, please call the number above to speak to a representative.

Name of OC, DH first and last name, 05/04/09, 0.00 203.00

Total due $274.05

Then a name, but no signature

Letter 2: White paper with VerizonWireless Logo and address, DH name and address. Then: Dear Customer, Verizon Wireless has received correspondence regarding your account that purports to be signed by you; however, the signature, postage information and other elements of the letter suggests it may not have been written or signed by you.

Your privacy is very important to Verizone Wireless, and we take all possible precautions to prevent identity fraud.

We therefore request you contact us directly at 1-800-852-1922 if you have any concerns about your Verizon Wireless account.

Any concerns you may have will be addressed promptly per our agreement with you and in compliance with all federal and state laws.

Letter 3 (The bank sent this letter twice, one right to my address the other had to be signed for. The letters said the exact same thing): White paper with QNB logo, address and phone numbers. DH name and address. Then:

In response to your letter of Feb. 20,2012 requiring proof of an outstanding debt indicated on your credit report, we request

additional information.

Please provide your date of birth, social security number, and copy of the information you are viewing on your credit report for us to validate our outstanding debt is for the correct FIRST LAST NAME.

There are occasions where the file is altered by the credit bureau agencies in the case of duplicate names.

I look forward to the additional information. If you wish to discuss this situation verbally, I can be contacted at PHONE NUMBERS.

A PERSON SIGNED IT

Letter 4: On the left side of paper is the CA name, address and phone numbers. Then:

Date: March 12, 2012

Name: LAST, FIRST NAME

Address: DH ADDRESS

City: DH CITY

Sate/Zip: DH STATE AND ZIP

Creditor: QNB Bank

Amount owed: $1237.48

Creditor Account #: ******

AR Resources Account #: ******

To: LAST, FIRST NAME

Please be advised that the above referenced creditor has referred your account to us for liquidation.

To avoid further collection activity, please remit payment in full directly to: ADDRESS

If you have any questions, please contact AR Resources, Inc toll free at 1-800-301-0222

Please reference the above AR Resources, Inc account number on all correspondence. Thank you in advance.

Then a signature.

Page 2: White paper with QNB logo, address and phone number. At the very top is handwritten some numbers (partially cut off when original was copied it looks like) PK7 Verification and then somthing I can't make out.

Account Statement

DH name

Account #: ******

Collateral: 2005 Kawasaki, VIN #********

Balance $1237.48

Accrued Interest $748.28

Payoff as of 2/29/12 $1985.76

Last payment received: November 16, 2006 which was posted to cover the october 8, 2006 payment.

Both page 1 and page 2 are copies

It looks to me like AR Resources is the same debt as QNB, both are on the credit report as being in collections. Can they both be trying to get money for the same account?

Thanks so much in advance!

[BV80]

Original creditors, such as Verizon, are not required to respond to DV requests. A request for debt validation is a provision in the FDCPA. OC's aren't bound by that law.

Also, did you send your DV requests within 30 days of their 1st contact with you? CAs are only required to respond to a DV request if the request is made within 30 days of that 1st contact. They cannot make anymore collection requests until they validate. However, if they choose to stop trying to collect, they don't have to validate.

If you sent your DV requests after that 30 days had already passed, none of the CAs have to validate, and they can still continue trying to collect.

From what you've shown, the CAs validated.

Is QNB an original creditor? I've never heard of them. If so, then the AR Resources could be collecting for them.

[wishzane]

We just got this information off of his credit report. I do not know when he was last contacted by any of these creditors/CAs. All of this stuff occured before we met/married. I thought I had read that you could also send a DV letter if you had seen it on the credit report, not neccessarily because you got a letter.

So, if these are validated what is the best way to take care of these. Do we "pay for delete" or pay them and show as being paid in full?

We want to buy a house in a couple of years, so want to take care of this in the best way so it positively affects his credit report/rating.

Thanks

[BV80]

We just got this information off of his credit report. I do not know when he was last contacted by any of these creditors/CAs. All of this stuff occured before we met/married. I thought I had read that you could also send a DV letter if you had seen it on the credit report, not neccessarily because you got a letter.

So, if these are validated what is the best way to take care of these. Do we "pay for delete" or pay them and show as being paid in full?

We want to buy a house in a couple of years, so want to take care of this in the best way so it positively affects his credit report/rating.

Thanks

I noticed that the last payment for one was 2006. Negative entries are allowed to remain on your CR for 7 to 7.5 years after the date of last payment (SOL for reporting). On your CR, that would be the "date of 1st delinquency".

I believe the SOL for collection in WA is 6 years for written contracts and 3 years for open accounts. I don't know which one WA applies to a credit card. In any case, if any of the debts are outside the 6 year SOL, they can't sue you, and the entries should be coming off your CR some time next year. I wouldn't worry about those.

If there are any that are more recent, you could try a pay for delete, but creditors and CAs aren't obligated to delete. If they won't delete, you could pay in full, and your CR would reflect that fact. In addition, it's preferable to deal with the OC, if possible, rather than the CA.

No matter who you deal with, get every single little detail in writing including what will be reflected on your CR.