help me check these two collectors out
Date: Sun, 12/28/2008 - 04:33
I sent each debt validation letters two weeks ago but have not heard from them yet.
Would anyone know how long it takes to hear from them?
Does anyone have Pay for Delete with these two?
Thanks nice people:)
This is a busy time of year with holidays and vacations and it c
This is a busy time of year with holidays and vacations and it could take longer than normal. It also depends whether it is a third party contingency debt or junk debt. Third party they are depend on getting info from the client....junk they have to see if they have it in their storage room.
Were your DV's in response to letters from them or after you fin
Were your DV's in response to letters from them or after you finding them on your credit reports? Either way, they do not have to respond to your DV at all. If your DV was w/in 30 days of the initial dunning letter, then collection efforts must cease. Also, regardless, they must notate the accounts as in dispute. These are very small amounts. If they prove to be yours then I would look up Pay for Delete (PFD) letters. If you can negotiate a PFD, make sure you have a signed agreeement in hand before paying.
two collection agencies
well, these two are the only things on my credit history.
My letters were not a response to theirs. Their letters, if ever sent never reached me.I sent DV letters to initiate the procedure so I can eventually do PFD.
how long should I wait for response? should I call them?
what should I do next in order to get these two out of my report asap? thank you. I appreciate your advice:)
I would send a followup at about the 45 day mark. Have you disp
I would send a followup at about the 45 day mark. Have you disputed these with the CRA's?
two creditors
i did not dispute with CRA's. should I?
I need to get these of my history asap as I am applying for grad school loans. please advise:)
I would wait until you have confirmation that they have received
I would wait until you have confirmation that they have received your DV's and then dipsute the tradelines. Use "Not Mine" for dispute
dispute?
my goal is to pay them in full so I can get them PFD
why should I dispute them as NOT MINE. they probably are mine. I just need to get rid of them asap. thanks for the time, i really appreciate it.
A PFD is not as easy to negotiate as you might think. If you wa
A PFD is not as easy to negotiate as you might think. If you want them off your reports quickly, dispute them first. If they are verified, then go for the PFD.
verify dispute pfd?
hi, I already sent them the debt validation letters. should I dispute them now or wait them to reply.thx. happy new year
They have no time limit to reply so dispute as soon as you get t
They have no time limit to reply so dispute as soon as you get the return receipt in the mail.
do i need to pay for credit reports first in order to dispute? t
do i need to pay for credit reports first in order to dispute? thx
how do i dispute> with the CRA? all three or four of them? by le
how do i dispute> with the CRA? all three or four of them? by letter or online. when i tried online equifax and transunion cant even sell me my credit file let alone dispute it. a message comes up on the screen saying it has to be done by mail.thanks, happy new year:)