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CA DV Dispute Comments

New Member

CA DV Dispute Comments

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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? 

Message 1 of 6
5 REPLIES
Moderator Emeritus

Re: CA DV Dispute Comments

Nope, send it now.

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 6
New Member

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?

Message 3 of 6
Moderator Emeritus

Re: CA DV Dispute Comments

That should cover it.  Smiley Happy  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!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 6
New Member

Re: CA DV Dispute Comments

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?

Message 5 of 6
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 6 of 6