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New Member
iamoverdrawn
Posts: 7
Registered: ‎01-12-2013
0

CA DV Dispute Comments

All

 

I sent out a DV.  Simple DV.  No mention of the word DISPUTE.  I used VALIDATE.

 

The CA has added the "Consumer Disputes" comments to my TLs.  I haven't heard back from the CA (yet) but I'd like to fire off another DV -- stressing that I did not DISPUTE but wanted VALIDATION.

 

Thoughts?  Or should I give it 30 days? 

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: CA DV Dispute Comments

Nope, send it now.


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New Member
iamoverdrawn
Posts: 7
Registered: ‎01-12-2013
0

Re: CA DV Dispute Comments

Awesome thanks.  I've bolded VALIDATE in the letter.  I also added "THIS IS NOT A DISPUTE" after the CA address.  Any thoughts on how this might help my cause?

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: CA DV Dispute Comments

That should cover it.  :smileyhappy:  Seems this is the latest tactic by the CAs.  They turn a DV into a dispute, then they validate the dispute and by the time it's done, the timeliness of the DV has passed and they haven't had to address it and keep trying to collect.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
New Member
iamoverdrawn
Posts: 7
Registered: ‎01-12-2013
0

Re: CA DV Dispute Comments

[ Edited ]

Thanks Shogun.

 

I should note that this is a very old account.  I never recieved a dunning notice.  Does that matter?

 

Also, I added a reference to the fact that adding comments does not consitue a proper validation.  Thoughts?

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: CA DV Dispute Comments

If you never received a dunning notice then the DV would be timely.  I wouldn't worry about the comment section, they know what a proper DV is.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

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