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DV RJM or Dispute through CRA?


ATXJC27
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The last post in this topic was posted 3679 days ago. 

 

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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.

 

 

 

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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!

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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?

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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*

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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.

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