Redman4ever

Arg...just started to see *b. was down to 3 inqs on TU. Now back up to 12.

I sent a simple DV letter to CA requesting proof of debt. CA returned a copy of the OC bill with a letter stating the debt was paid and was being reported as such. to the CRA. Some more info: the bill is for my daughter whose last name has been changed since the time of the original debt, with new birth certificate. The original bill is in her old last name. My questions: I asked for signed documentation and they failed to provide that. I don't think a copy of the bill from the OC creditor represents proof of debt but I am not 100% about that. Should I write the CA back demanding signed documentation showing my responsibility for this debt? Should I contest the bill based on the last name? Does a copy of the OC bill constitute proof of debt and if not does anyone know where I can quote that info in another in a second DV letter? I sent a request for verification to the CRA after recieving the green card back from the CA but have not heard from the CRA yet. Sorry for all the questions. Still pretty new at this. Just trying to get a good direction on where to go next. Thanks for all the help!

Hey, Thanks for the quick response! The bad thing is I had read your 1st DV letter eariler and must have just missed the part about the partials...lol

Just starting out. I have a couple of paid medical collections and some cc lates I'm looking to get removed. Plan to DV CA and send dispute to CRA (1-2 punch) the med. collections and maybe goodwill the lates (If anyone has a better plan, pls let me know!). Anyway, when i pulled my Equifax CR and also when I pull all 3 CR with TC I don't have the full acct #'s. The collections are a couple of years old and the lates are on accts I haven't used in a couple of years. So, my question is this: Do I need to contact the CA/CC companies for the full acct numbers or just use the partials as shown on my CR? Meaning, do I need to say something like the following: To CA: I recently viewed my credit report and noticed that I had a collection tradeline from your company listed as CA CO NAME with an associated account number of 9999999999XXXX. I have no knowledge of any such account and would like validation....so on and so forth. Thanks in advance for any help! And if anyone has any other advice for this newbie, please fill free to share.