DV RJM or Dispute through CRA?

[ATXJC27]

Here's the rundown:

 

• I reside in TX
• RJM reporting on 2 of 3 of my reports.
• CRA verified a couple years ago; I've since left it alone
• Reporting as a factoring account company
• Showing a date opened later than the OC (I presume that's perfectly legal based on the information I've garnered on this site)
• Account is out of SOL

The question: Should I pursue the DV route with them? Or dispute directly with CRA?

 

Your feedback is greatly appreciated.

 

 

 

[mendelssohn]

Anytime you DV, you should also dispute with the CRAs. Read this thread on the 1-2 punch:

 

http://creditboards.com/forums/index.php?showtopic=428895

[ATXJC27]

Thanks!

[mendelssohn]

Send a TX style DV letter using TFC. I'm assuming that since you mentioned that you are in TX you know what I'm talking about.

[ATXJC27]

Yes, mendelssohn. I am ready to fire off my TX-style DV. Wish me well!

[scls]

Send a TX style DV letter using TFC. I'm assuming that since you mentioned that you are in TX you know what I'm talking about.

Strongest DV ever !

[ATXJC27]

Also, I forgot to mention that RJM is reporting three separate debts, two of which have the same account number. And, they are showing as a factoring account company. Is this something I should include in the DV as well?

 

Thanks!

[harryfpotter]

I'm about to get started on removing a single derog, less than $250 posted to three CRAs from the Jacksonville, FL company ERC. Before I send my CMRRR, should I get a Texas address. I've only been living in California for a couple months. I feel I could as easily be from somewhere else. What would allow me the protection of Texas law? It seems easy to get a forwarding address service for Texas online. Does this sound wise, unwise or insane?

[scls]

I'm about to get started on removing a single derog, less than $250 posted to three CRAs from the Jacksonville, FL company ERC. Before I send my CMRRR, should I get a Texas address. I've only been living in California for a couple months. I feel I could as easily be from somewhere else. What would allow me the protection of Texas law? It seems easy to get a forwarding address service for Texas online. Does this sound wise, unwise or insane?

Insane*

[mendelssohn]

I'm about to get started on removing a single derog, less than $250 posted to three CRAs from the Jacksonville, FL company ERC. Before I send my CMRRR, should I get a Texas address. I've only been living in California for a couple months. I feel I could as easily be from somewhere else. What would allow me the protection of Texas law? It seems easy to get a forwarding address service for Texas online. Does this sound wise, unwise or insane?

I wouldn't. You're not considered a resident until you've lived here for a year anyway.