onmyway3161 wrote:They signed about a week and a half ago. I received the green card back but they haven't validated. Now they are just harrassing me. I had put in another post that they did two hard pulls on TU yesterday and that they reported the account as new. Now it looks like I have a new delinquency on my report. And as of yesterday they started calling me. I haven't talked to them. It seems to me that they can't validate or they would have already done so.
onmyway3161 wrote:I don't understand why they would do two hard pulls from my TU in one day? What are they looking for? I am getting very worried.
Noah_Bodie wrote:Lori344 wrote:I had a CA (truelogic/debt owned by LVNV) do a hard pull on my TU report 2/07/07....I was inclinded to ignore them until receiving another letter from Resurgent capital Services (still owned by LVNV).I would DV them anyway. Even if it's beyond the 30 day limit, some judges will ask the alledged debtor (AD), "Did you ever challenge the validity of the debt?" IOW, did you DV?If yes, then even if you DVed beyond the 30 days, some judges will then turn to the CA and demand that they show proof of the debt. Something showing the ADs signature and somehow showing it's within SOL.I'm saying this not because court is your only solution. I'm saying this because the CAs know some judges will demand this info, and if they can't cough it up then they are toast if the AD countersued or initiates a suit for a FDCPA violation.Are they currently reporting on your CRs? Or just the hard INQ?
Lori344 wrote:Just the letter and the hard inq. They haven't hit me where it would hurt me the most, yet. Would you still suggest the DV?
onmyway3161 wrote:I am in Indiana. The CA is Physicians Credit Bureau. They are located in Columbus OH.
Noah_Bodie wrote:Lori344 wrote:Just the letter and the hard inq. They haven't hit me where it would hurt me the most, yet. Would you still suggest the DV?Yep, DV them. They are pulling hard INQs. They are pushing. Next step might be to drop a collection on your CRs. DV them now, and if they go away, you can them pursue them for the unauthorized INQ.