03-19-2014 08:49 AM
I haven't been to my mailbox in 3 weeks. I noticed a SP on my EX from Convergent....I will check my mail when I get home, but I am sooooo hoping that they aren't trying to add ANYTHING to my CR. I will report after I check my mail.
03-19-2014 08:52 AM
03-19-2014 08:55 AM
03-19-2014 01:28 PM
They just added a collection on my EX a few days ago. I haven't received a dunning notice yet. But I have my DV ready to go out.
03-20-2014 01:37 AM
back in November, those dummies SP'd me...a few days later, I got a dunning notice...I sent a timely DV letter, they ended up verifying and the OC pulled the Collection back right after that...it never reached my reports, the OC never reported and I ended up paying the account in full. Hopefully, it'll work out similar for you Newmomeme...altho, I can't even remember what you posted now...boy boy boy.
04-11-2014 11:34 AM
Any updates from anyone?
They SP EX again today.. I checked my mail last weekend...nothing from them or anyone else. This is strange. I guess I just have to play the waiting game now. UGH!
04-11-2014 05:02 PM
They sent me a dunning notice and I mailed a DV. They SP me two days ago as well. They havent
posted anything to my reports and it seems like they take a few months to come up with validation if they are indeed collecting from somone legit.
04-11-2014 05:19 PM
They have no required time period in which to provide verification.
However, if your DV was timely, they are now under a cease collection bar, blocking pulls of your CR until they first provide verification.
Was your DV timely?
As an aside, if they have collection authorty, either assigned or by way of purchase of the debt, they have permissible purpose, and thus could do a hard pull.
You are fortunate if only soft.....
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO