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 Posted: Thu Jun 19, 2008 10:40 pm Subject: VERY IMPORTANT QUESTION |
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can i send a debt validation letter even after i have paid the collection agency so that i can have the account completely removed.
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fixmycredit
Guest
Debtcc Points: 100
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| Posted: Fri Jun 20, 2008 12:01 am Subject: |
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It has no meaning of sending a DV letter to a CA after paying them-off. But you can surely send a certified mail to them for informing that you have done the last payment and you don't owe them anything. So, it will be a document for you which can help you in the future if some CA tries to collect on this debt again.
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phoenix
Joined: 14 May 2008
Posts: 466
Debtcc Points: 3414
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| Posted: Fri Jun 20, 2008 4:43 am Subject: |
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You can keep disputing it on your credit report. Usually once they are paid, they won't waste their time to keep validating it and sooner or later they will just delete it.
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DebtCruncher
Moderator
Joined: 07 Nov 2006
Posts: 1412
Debtcc Points: 16524
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| Posted: Fri Jun 20, 2008 6:30 am Subject: |
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They have no obligation to validate a debt once it has been paid since the debt no longer exists.
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SOAPLADY
Moderator
Joined: 07 Feb 2007
Posts: 750
Debtcc Points: 12130
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