credit card activity validation

I don't have the answers to your questions but I can tell you that Aspire Visa is one of the worst companies in the world to deal with! They dodge any questions you ask them or answer your questions with other questions and then send you nasty grams in the mail....Somone will probably come along to help you with your problem..

A validation letter does not get sent to original creditors since fdcpa does not apply to them. Send a personal handwritten letter to them asking for an accounting of your account with complete payment history.Simply tell them that under the Facta provision of the fair credit reporting act,you are exercising your rights to receive account info directly from the data furnisher.Send it certified return receipt mail.

That is exactly what I have read. My story is like many others got myself into debt unintentionally and then my ex husband lost his job. During that time or electric was even off for 2 months. :( It was a nightmare. I have nothing for anyone to take. I thought shame of having bad credit was punishment enough....and had the hopes of at least it being cleared after 7 years and a hard lesson learned, now this. :(

I ran my credit report and aspire doesn't even show up does that mean that it is past SOL?

Thanks for the help Cajunbulldog. Do you know off-hand which section of facta that my right to information falls under? I would like to quote it in the letter. Can anyone verify this address as being the one I send the letter to and should send it to a addressed to a specific department?

Aspire Visa
Address:
P. O. Box 105555
Atlanta Georgia 30348
U.S.A.
Phone Number:
800-348-8783

Thanks for all your help!

Here is the section in the fair credit reporting act that was amended in the year 2003.
SEC. 312. PROCEDURES TO ENHANCE THE ACCURACY AND INTEGRITY
OF INFORMATION FURNISHED TO CONSUMER
REPORTING AGENCIES.
Read the second link in my signature for information about the entire act.

Thank you :)

Have they filed suit against you?