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So confused!


kira527
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Ok I am so confused, Who do I send my dispute letters to first? The CRA or the OC/CA? Do I send them at the same time? Send to one then wait for responses or send to one, then a week later start sending the others. I have read both. I read that I need to send to OC/CA then as I get my green cards back in the mail then I start disputing with the CRA, so that it kind of conflicts b/c the OC won't be able to verfity with the CRA and then they will remove it? I just want to make sure that I do this right. Also whenever I do send to the OC do I need to seed on to the CA that bought the account after it was charged off or closed at the same time or do i jusdt dispute with the OC then if and when they remove it then send that info to the CA and they will remove it as well since is was shown to be invaild? again like i said i read to do it one way then in another post to do it another? Which was is better? Thank you

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Your post is confusing.  How did you learn of the collection agency?  Did you receive a collection letter?  Or did you find their entry on your CR?

 

Just a note:  Check the OC's entry on your CR.  Does it state that the account has been sold or transferred?  If not, the OC probably still owns the debt, and you're dealing with a CA who is collecting for the OC...not a JDB (junk debt buyer) who purchases debts.

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If the OC still owns it, and you have been dunned by a CA...send a DV letter to the CA.

 

If the OC has sold it to a JDB (CAs don't buy debts), the OC's listing on your reports will say "write off/sold to another lender" and their balance will be $0.  Nothing you can do about those.  (You can try sending a "not mine" dispute letter to the CRAs, but its unlikely the OC will disappear).

 

If a JDB is on your reports, you can send a "not mine" dispute letter to the CRAs and hope the JDB doesn't respond.

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okay sorry, my question is do i send my disputes to the CRA first or the OC?  i read where you send them to the CRA first, wait for responses and then send to the OC, but i also read you send them to the OC first, wait about a week and then to the CRA......

 

also if the OC has charged off the account and then an JDB has it now who do i send the dispute letter to?

 

or if the OC still owns it but has a CA collecting for it so it shows "negative" twice what do I do then?

 

This seems easy to do, but very confusing at the same time where I am almost willing just to pay someone to do all the work for me so that it is done correctly.

 

hope this clears up what I was asking.

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Always dispute directly with the CRAs first.  The reason for this is to preserve your right to sue the furnisher (JDB) if they report inaccurate information and refuse to correct it.

 

As Willing stated, dispute it as "not mine".  If they verify it, check to make sure everything is being reported accurately.  For instance, if they report a date of first delinquency (DOFD), it should be the same as the DOFD being reported by the OC. 

 

A debt validation letter (DV) is a request you send to the collection agency or JDB within 30 days of receiving a collection letter.  If you send it because you find an entry on your CR, the CA/JDB is not required to respond to it.

 

 

 

i have one from the OC that says, "paid, closed. $xxx written off" but then i have the acct active in a JDB, the OC has the balance as n/a

 

 

Check the updated date reported by the OC.  Has it been updated lately?  If not, then the account has probably been sold.  A furnisher cannot update an account they no longer own.

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I guess I was reading the 1-2 punch thing......all the DV letters I would send would just be b/c I saw them on my report. If I am understanding the 1-2 punch thing correctly, If i send the OC, CA or JDB a DV/not mine letter than they have to stop reporting anything on my credit until the provide me with information, no matter when I send them the letter......and then about a week after that I would send the CRA a "not mine" letter and when they try to verfiy the OC, CA, or JDB can not legally respond b/c then they would be reporting on my credit before reporting to me and can be fined $1,000.........is that correct? Anyone familier with  the 1-2 punch I am refering to that I read on a post here?

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WHAT IS THIS?

 

 

 

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I guess I was reading the 1-2 punch thing......all the DV letters I would send would just be b/c I saw them on my report. If I am understanding the 1-2 punch thing correctly, If i send the OC, CA or JDB a DV/not mine letter than they have to stop reporting anything on my credit until the provide me with information, no matter when I send them the letter......and then about a week after that I would send the CRA a "not mine" letter and when they try to verfiy the OC, CA, or JDB can not legally respond b/c then they would be reporting on my credit before reporting to me and can be fined $1,000.........is that correct? Anyone familier with  the 1-2 punch I am refering to that I read on a post here?

 

 

I guess I was reading the 1-2 punch thing......all the DV letters I would send would just be b/c I saw them on my report. If I am understanding the 1-2 punch thing correctly, If i send the OC, CA or JDB a DV/not mine letter than they have to stop reporting anything on my credit until the provide me with information, no matter when I send them the letter......and then about a week after that I would send the CRA a "not mine" letter and when they try to verfiy the OC, CA, or JDB can not legally respond b/c then they would be reporting on my credit before reporting to me and can be fined $1,000.........is that correct? Anyone familier with  the 1-2 punch I am refering to that I read on a post here?

 

I still say dispute with the CRAs first.  

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