validations and complications
Date: Sun, 04/05/2009 - 05:41
dear friends,
if someone has a moment please help me figure this out:
on my Experian file, an account a 158$ debt was listed. I sent debt validation letter two times to the collection agency and never heard from them - no idea what this was for. I disputed online with Experian and the result was REVIEWED and the item is listed.
What to do with this one now?
On my Transunion file a medical debt of 505$ was listed. I received a reply from the collection agency to verify the debt. I can't pay it in full now but need to get it off asap as I need to apply for loans for school.
What should I do with this one?
Thanks, all help is majorly appreciated:)
if someone has a moment please help me figure this out:
on my Experian file, an account a 158$ debt was listed. I sent debt validation letter two times to the collection agency and never heard from them - no idea what this was for. I disputed online with Experian and the result was REVIEWED and the item is listed.
What to do with this one now?
On my Transunion file a medical debt of 505$ was listed. I received a reply from the collection agency to verify the debt. I can't pay it in full now but need to get it off asap as I need to apply for loans for school.
What should I do with this one?
Thanks, all help is majorly appreciated:)
Dispute it by mail. Specify in detail your DV history as mention
Dispute it by mail. Specify in detail your DV history as mentioned above. Be clear that 1) you do not believe it to be your debt. 2) they need to PROVE it is your debt, per the Fair Credit Reporting Act or Cease and Desist and remove all records of it.
Oh, sorry, the 2nd one sounds like they already validated. (?) I
Oh, sorry, the 2nd one sounds like they already validated. (?) If so, contact them with a settlement offer. What can you pay on it? If they accept, make sure you get something in writing from them before you pay it.