debt validation letter
Date: Fri, 02/19/2010 - 08:16
Im a new user to the forums and Ive been getting ready to start my first round of validation. Im really confused on one subject though. Do I need to send the validation requests to the CA or the reporting agency. I have not added to my credit in 4 years. Ive been strictly cash only. For this reason I havent heard from any debt collectors in a long long time. I want to try and get these pulled off my report. I have the letters and my credit report but who do I need to send these letters to. Do I have to send them to the CA first and then the reporting agency, or do I skip the CA and go straight to the reporting agency. My debt is under 4k.
What state are you in? Are any of these out of SOL? DV's go to
What state are you in? Are any of these out of SOL?
DV's go to who ever is reporting the debt. You might have to do some calling first to find out for sure where the debt actually is.
RE
I will hit SOL on all of them in 2012. I was going to send debt validation letters to the collectors however I am outside of the initial 30 days. Can I send a letter to the credit bureau requesting proof that I own the debt listed and a copy of my signature and that if they cant provide it they remove it? I thought that was how this works. Im really confused on this and I have been swimming through forums for a minute trying to figure it all out.
Credit reporting agencies wont validate your debt so asking them
Credit reporting agencies wont validate your debt so asking them for proof is a waste of time. You have to go thru the CA's first...are you disputing the debts or are you just finding out who to pay?
You do realize you might be stirring up a can of worms.
I have been in contact with a guy that says he can dispute the r
I have been in contact with a guy that says he can dispute the reports with the CRA's and possibly have them dropped off if they cant be properly verified. He said that the ones that dont get verified he would then do a second round or possibly a third round. He claims to be able to increase my score by 100's in few months. Is this possible? If so cant I do the letters myself? How would I do it? And am I just being played.
You can do it all yourself without paying anyone else to do it.
You can do it all yourself without paying anyone else to do it. No company can guarantee credit repair...creditors as long as they are reporting correctly have a legal right to report and cannot be forced to remove their credit lines.
and cant I require that they show that the debt is mine and that
and cant I require that they show that the debt is mine and that they legal own the debt and that they have proof of my signature?
btw what is your opinion on creditrepairwar.blogspot.com Should
btw what is your opinion on creditrepairwar.blogspot.com Should I use the strategy this guy did?
You are correct that the CA is not legally required to validate
You are correct that the CA is not legally required to validate after 30 days past your initial notice of the collection attempt. But, you still may have success by sending the validation request to the CA's. Then, when they fail to respond or properly validate, send letters to the bureaus enclosing proof of delivery of the validation letters. Request that the bureaus delete the items based on the CA's failure to validate. Other than guessing based on the date the collection was reported to the bureau, the bureau has no way of knowing that your validation requests were sent past 30 days from the CA's first notice to you. Good luck.