04-25-2008 02:01 PM
04-25-2008 02:19 PM
04-25-2008 02:28 PM
I DV'd Absolute Collect Service for a med collection that isn't mine, and it's been 30 days. They have not responded to the DV, and it's still showing on my CRs. I searched for what letter to send the CRA to have the acc't removed while it's in dispute, but it seems most of the letters I've read are tailored to CAs who continue to update reporting while in dispute.
1. Before I get myself in trouble, is the CA obligated to remove the account from CRs 30 days after receiving my DV? Or are the only obligated to not update the account while it's in dispute?
2. Do I send a second DV to the CA, or let sleeping dogs lie & proceed w/ a letter to the CRA showing the CA did not respond & requesting deletion?
04-27-2008 09:16 PM
04-28-2008 05:49 AM - edited 04-28-2008 05:50 AM
04-28-2008 07:15 AM
04-28-2008 07:39 PM - edited 04-28-2008 07:41 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.