Collection agencies
Date: Sat, 12/29/2007 - 07:42
Can someone tell me if a collection company is required to send a written notification of a past due debt before they can put it on my credit report under collection agencies? I just pulled a credit report with a collection company listed that I have never heard from or received documentation from before and it is affecting my fico score and credit history.
I think they can as long as their records indicate that they hav
I think they can as long as their records indicate that they have sent a letter. That letter could have been sent to an old address. If you have no idea what it is for you should mail them a validation letter.
FYI is probably right. But some of the more unsavory (law break
FYI is probably right. But some of the more unsavory (law breaking) CAs have been known to immediately list it on your credit report, then start dunning you.
There is no statutory requirement for contact before reporting t
There is no statutory requirement for contact before reporting that I am aware of. If they report it without a letter or phone call,I would send a dv letter stating they were spotted on credit report and you are considering your dv letter to be first contact per fdcpa.
