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Posted: Fri Aug 15, 2008 11:45 am Subject: DV Requirements Credit Reports

Ran across this from the ACA in regards to DV's in response to a consumer discovering a tradeline on their reports.

http://www.acainternational.org/images/209/consumerversionvalidationri ghtsfdcpafcra.pdf

Their stance is that any DV not in response to a dunning letter is not binding and therefore, does not require any response.

Posted: Fri Aug 15, 2008 12:12 pm Subject:

I love how thier 'official' little paper misquotes Chaundry. I love how they do that. That little write up isn't even good for toilet paper..would chafe.

Posted: Sun Aug 17, 2008 6:21 pm Subject:

Okay I been at alot of the forums and I keep seeing "dunning letter". Can someone explain what this exactly is? I am trying to educate myself because I know this is important in the credit world.

Posted: Sun Aug 17, 2008 9:16 pm Subject:

The initial written communication from a CA is referred to as a dunning letter. It must have the mini-miranda informing the consumer of the 30 day right to dispute.

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