Credit Card Center Advertiser Disclosure†
01-22-2013 01:54 PM
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?
01-22-2013 01:57 PM
Nope, send it now.
01-22-2013 02:08 PM
That should cover it. 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.
01-22-2013 02:15 PM - edited 01-22-2013 02:19 PM
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?
01-22-2013 07:41 PM
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.
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.