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response to DV letter sent

Date: Fri, 03/13/2009 - 20:38

Submitted by anonymous
on Fri, 03/13/2009 - 20:38

Posts: 202330 Credits: [Donate]

Total Replies: 3


I recently sent out a DV letter to a company on my credit report. They responded with a copy of a NSF check that it looks like I wrote 04/2005. The check was written in Idaho I now live in CA. They state they are forwarding this check to Security Chekc for collection and to contact them for payment. Is this too old to worry about paying or should I pay it to avoid going on my credit report from Security Check? Is a copy of a check enough to validate the debt per the sample letter you have on the site? Can I have cybrcollect remove thier collection account on my credit report if they are now sending it to another company?

This may have even been listed in my Chapter 13 that was discharged already. I would have to research. If I can show it was can Security Check put collection efforts on my credit report?

Thanks


Hi Mel,

Yes you will have to research. If you put the debt that that check was originally written for into the bankruptcy, then they cannot collect on it, so that is very important proof. Then you would send them a copy of the discharge papers with a cease and desist notice, and send a copy of that to the credit reporting agency if it should show up on one of your reports.

Hope this helps,

chrys


lrhall41

Submitted by Chrys Henderson on Fri, 03/13/2009 - 21:53

( Posts: 2538 | Credits: )


Chrys, thank for the answer. If it isn't in my Chapter 13 then can you answer the following.

Is this too old to worry about paying or should I pay it to avoid going on my credit report from Security Check? Is a copy of a check enough to validate the debt per the sample letter you have on the site? Can I have cybrcollect remove thier collection account on my credit report if they are now sending it to another company?


lrhall41

Submitted by anonymous on Sun, 03/15/2009 - 15:13

( Posts: 202330 | Credits: )


That's up to you whether you go ahead and pay it off. But know that if you do, it will go on your credit report for 7 years after the date you pay it off.

The only data you can have removed from your credit report is false or inaccurate data.

But I think we should worry about that after you check your bankruptcy discharge papers. One step at a time.


lrhall41

Submitted by Chrys Henderson on Sun, 03/15/2009 - 23:14

( Posts: 2538 | Credits: )