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Found 8 results

  1. I was reading PsychDoc transcript and I came across some interesting info. You can DV a SL? Really? I called the CA handling my account and verbally verified that the debt was mine and that I received their dunning letter but I haven't paid. I can still DV via letter, right? If I just wait a month or two then DV? If they validate then I pay. If they can't then they go away. DId I read that right or am I just crazy? How valid is a verbal verification? It's probably too late now huh? Any advice would be appreciated. Also I filed a complaint with the ombudsman because they wouldn't start my
  2. I received a response to my DV from IC System Inc stating that they are unable to locate my account. They are asking for account and reference numbers, my full name, the oc, etc. I have no correspondence or anything from them. The only info I have was from my CR which I provided. I know that the collection is from Kindercare but I do not believe I owe them anything. Either way if anything was owed, I would not be responsible for payment but my husband would. I originally disputed this bill with Kindercare when they informed me months after I had already taken my kids out of their daycare. How
  3. Hi, A junk debt buyer bought an old account of mine from 2008. They bought it from a pile of old uncollectable credit cards. I sent a letter to the three credit bureaus (Experian, Equifax, Transunion) asking them to validate the debts, as all I got from the JDB was a one page printout with my name, address account number and amount. In my letter to the credit bureaus I mention specifically that validating this was a good debt. I received a form letter from them today saying that "The FCRA does not require that the consumer credit reporting company obtain documentation such as actual si
  4. Okay, after sending a nutcase letter to Equifax, I got them to delete a collection account and drop all previous addresses and names. I had asked for deletions of several accounts, including 8 student loan (Dept of Ed/Sallie Mae) accounts if they could not be validated. I knew there was no info available on those loans because I called Sallie Mae ahead of time and, besides my name, account number, and loan amounts, they said they had no more information. So, Equifax leaves it on there and says, among other things: - We have verified that this item has been reported correctly. - There i
  5. Seeking to apply for a home in the next 3-4 months, decided to get my latest credit report and I find 1 account that I had no idea was there. Filed BK in May of 2010 and discharged in October of 2010. I find it hard to believe that I let this account go to collections, because (1) I never even rec'd so much as a notice from the OC or one from the CA and (2) I've had perfect credit since then. I know I had an account with this company but because it was 3 years ago, I'm sketchy on the details. I did go through an old email and found that in December of 2010 I registered for an online a
  6. Hey! I have a couple of questions. My journey to credit repair is almost done and I've started repairing DH's. He has several accounts for Capital One, all have been charged off. I'm DV'ing them. Should I send one letter listing ALL the accounts, or one letter for each account? I want to send out the letters today so if anyone can offer some guidance quick, I'd really appreciate it. Thanks!
  7. So, I have been really reading, researching, following all adivice on what to read, where to start, even printing all records, triaging, and everything just like psychdoc suggested through the seminars. I am stuck now. I am so afraid to start sending out my validations to CA because I am terrified of waking a sleepy tiger. Several of the accounts that I will have to deal with are past the SOL in Nevada, so I know that they cannot come after me by way of lawsuit, but I am just afraid that I will somehow get the laws mixed up, or coe out as looking like an salamander and end up screwing myself i
  8. Does the 30 day requirement for a CA to validate a debt mean they have 30 calendar or 30 business days. I sent a DV letter to Calvary over 30 days ago and have yet to receive a reply. Also would I have to actually receive a response within 30 days or would Calvary just have to postmark it by 30 days.
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