Validation letter worked for me
Date: Thu, 02/16/2006 - 00:08
Submitted by AZ Payday Loan Avenger
on
Thu, 02/16/2006 - 00:08
Total Replies: 2
Then I got a letter from the CA saying that they noticed I disputed the item and they only said if they could be of any assistance. It is funny that they did not request payments explicitly but the letter looked like a bill and the amount was higher than the one reported. Of course I sent them a customized validation letter including the request for proof of the first time the account became delinquent.
Obviously the debt is way past SOL and with the correct date of last activity, it will soon be out of the 7 year reporting period. Guess what! Today I noticed in my Experian report that the item was deleted. Looks like the CA could not validate the debt and based on my validation letter, they simply had to ask Experian to remove the item. Here is another proof that validation letter works fine and I covered my grounds legally. :wink:
Hi Kam! That is great news for you!! I am glad to hear tha
Hi Kam!
That is great news for you!! I am glad to hear that the debt validation letters work. I just sent out 4 yesterday, so I am looking forward to getting a response back. I also have a few things on my credit report that definitely have incorrect date of last activity, so I think that is my next step...disputing those items. Thanks for sharing your experience here with us, it is very helpful!
~Mary
Validation letters have a legal importance and every collection
Validation letters have a legal importance and every collection agency is bound to follow it. In some cases, the companies fail to respond to your letter because of the lack of information. These copies must be sent to the bureaus with an explanation of the situation. Under the FCRA laws, the credit report must display the actual credit history of an individual. The bureaus need to verify the information with the agencies. If they fail to give information within a reasonable time, the item must be deleted from the file.
That's why it is very important to keep copies of every letter sent and received from the companies. Your letters should be sent through certified mail with return receipt requested. This will ensure not only its delivery to the company's address but will also force the company to show response to your move.
