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How Many Collection Agencys/JDBs have you gotten rid of simply by sending a DV?

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Hello,

 

A lot of people don't know the power of a simple DV letter.

 

Just how Many Collection Agencys and/or Junk Debt Buyers (JDB)s have you gotten rid of simply by sending a DV?

 

I Have gotten rid of 4 Simply by sending a simple DV letter to them.

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Just off the top of my head: NCO, West Asset Management, Allied Interstate, Palisades, and ER Solutions. Every one of them went away after one DV letter. LVNV was the only one that took a little bit of effort.

 

Obviously that's just my case, YMMV.

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Oh wow, I'd say about 50% of my effort was rewarded just at the initial dv letter. I lost almost half of my negative items across all reports doing that. The ones that linger are a bit tougher to deal with but since I started with 22 items and am now down to 10 or less on each report, I'd say it's pretty good. Most of what's reporting now is accurate but I still have three or four bad ones I need to work on. In a nutshell DV letters definitely worked wonders for me!

 

Charity

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Palisades, AFNI x 2, Calvary X 2, Superior Asset Management, all on the first DV.

 

OC's gone with '623 Method' - Chase, Crap One, Americredit - first letter.

 

DV's did NOT work on: Portfolio Recovery A**hole-ociates, IC System, Midland, AIS Services. Well, not yet anyway. I think the summons will work. :lol:

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About a dozen or so, including NCO, CBCS, Cavalry,Allied Interstate, and various members of the Buffalo Bunch.

 

that's about mine too.

 

which if you count all the CAs I had, I'd say I'm batting about .500 with a simple DV

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Guest Joseph C

... These were from the info on a Hard from the Big 3, or did you "Trust CCT" on it?

 

Just wondering.. Im about to DV -ALL- my old ones, including my Student Loan ones, PARTICULARLY General Revenue Corp!!!

 

:dntknw:

 

.. Im paranoid about the 7-YEAR CLOCK... I do NOT want to reset that.

 

USPS CM-RRR all the way...

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.. Im paranoid about the 7-YEAR CLOCK... I do NOT want to reset that.

 

how could sending a DV reset the clock?

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Guest Joseph C
.. Im paranoid about the 7-YEAR CLOCK... I do NOT want to reset that.

 

how could sending a DV reset the clock?

 

1) I have heard of stranger things happening, and

 

2) Sending/Starting a Dispute isnt like a "Catch 22" thing that they could then use to RE-AGE the whole thing, and use AGAINST you?

 

Im familiar with DIRTY TACTICS....

 

:dntknw:

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Sometimes they re-age because the simply 'can'. I've watched 4 of mine re-age several times - and not because I DV'ed.

Edited by equallydivided

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Guest Joseph C
Sometimes they re-age because the simply 'can'. I've watched 4 of mine re-age several times - and not because I DV'ed.

 

... You mean you doing Nothing, they re-age? :mellow:

 

Ive ALWAYS been wary of this end-run around the 7-year Clock. Thats why im going to eventually get Aggressive <_< but i want to ask my Question and do my Research first.

 

... Then we :dance:

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It is AMAZING, isn't it? How many times just sending a simple request for proof that a debt exists and is owed gets them to say "ummm nevermind." Too bad they usually sell it off for pennies on the dollar to the next junk debt buyer.

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Sometimes they re-age because the simply 'can'. I've watched 4 of mine re-age several times - and not because I DV'ed.

 

... You mean you doing Nothing, they re-age? :mellow:

 

Ive ALWAYS been wary of this end-run around the 7-year Clock. Thats why im going to eventually get Aggressive <_< but i want to ask my Question and do my Research first.

 

... Then we :dance:

 

Yes, keep watch and save your reports with the old dates! I just sent a letter to the 3 CRAs about this very issue. I'll let you know! Cap1 and GEMB both re-aged - and the CA's of course have the initial activity set as the date that they got the account - which also ages your negative TL longer than the supposed 7 years.

 

This aggravates me to no end! The basic reply that I have gotten was 'good luck, it's hard to prove'. Save those reports!

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.. Im paranoid about the 7-YEAR CLOCK... I do NOT want to reset that.

 

how could sending a DV reset the clock?

1) I have heard of stranger things happening, and

2) Sending/Starting a Dispute isnt like a "Catch 22" thing that they could then use to RE-AGE the whole thing, and use AGAINST you?

Im familiar with DIRTY TACTICS....

<_<

 

 

Sometimes they re-age because the simply 'can'. I've watched 4 of mine re-age several times - and not because I DV'ed.

 

 

If they re-age, then they are in violation of both the FDCPA and FCRA.

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I have gotten rid of NCO 4 different times (including one for a Cap One acct) but they did attempt to validate a $75 medical bill.

 

I have gotten rid of LVNV, Brachfeld and Associates, USCB, and a few more. I have to go look.

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Sometimes they re-age because the simply 'can'. I've watched 4 of mine re-age several times - and not because I DV'ed.

 

... You mean you doing Nothing, they re-age? :rofl:

 

Ive ALWAYS been wary of this end-run around the 7-year Clock. Thats why im going to eventually get Aggressive :rofl: but i want to ask my Question and do my Research first.

 

... Then we :rofl:

 

:rofl:

 

This question has been answered for you. Please take the time to look at the threads in which you asked it.

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will a dv letter work after already trying one before? i have 2 medicals that i cant get rid of. already tried the hippaa prcess didnt work yet. not sure if i should try the hippaa process again or try dv letters? any suggestions??

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