debt validation - next step?
Date: Thu, 02/19/2009 - 02:52
hello community:)
if anyone has a moment to advise it would be very appreciated.
I sent DV letters to two collecting agencies. One was 128$ the other 132$. Original creditor for one was Bank of America, the other I am not sure. I never heard from them and it has been 30 days since my CMRR green slips returned.
What should I do next in order to get these of my reports asap? (applying for student loans as soon as I get this done.
Should I resend DV letters?
Should I dispute info with CR Agencies? How?
Thank you very much!
Steven
if anyone has a moment to advise it would be very appreciated.
I sent DV letters to two collecting agencies. One was 128$ the other 132$. Original creditor for one was Bank of America, the other I am not sure. I never heard from them and it has been 30 days since my CMRR green slips returned.
What should I do next in order to get these of my reports asap? (applying for student loans as soon as I get this done.
Should I resend DV letters?
Should I dispute info with CR Agencies? How?
Thank you very much!
Steven
Yes, if it has been 30 days, send a follow-up DV letter stating
Yes, if it has been 30 days, send a follow-up DV letter stating they have failed to respond to your previous request. Include a copy of the original and the green signature card. Tell them you will give them 15 days to respond and if they don't, you will consider the debt VOID and noncollectable. After the 15 days, dispute it with your credit reports and see what happens. If it doesn't get removed then you could probably start looking for an attorney to sue them.
There really is no time limit for them to respond but if you give them over 45 days and get nothing then I say that is long enough.
