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DV Letter or letters to Collection Agency??

Member

DV Letter or letters to Collection Agency??

Just when I think I'm prepared to make the first official move and get some of these letters out...Debt Validation to Collection Agency's, Goodwill Letters to Original Creditors, etc., I've drawn a HUGE blank and know I know the answer to this but I'm drawing a blank. If I have one Collection Agency showing up on all three credit reports and I need to send these letters CMRRR, do I send a DV letter to the same Collection Agency for each Credit Report entry or do I send one CMRRR letter and mention it is being reported on all three credit reports?

 

Brain F**t of the most simplest thing, just when I need it the most!!!  Any HELP appreciated!!!!!!!  Here I was ready to send these out and now I'm stopped dead in the water until I know for sure.  The logic probably answers the question, just on this particular one I am talking about $1400 so really want to make the right step. TY again for any help!

Message 1 of 9
8 REPLIES
Regular Contributor

Re: DV Letter or letters to Collection Agency??

just one letter per TL.


Starting Score: EQ FICO 588 EX FICO 587 TU FICO 588
Current Score: EQ FICO 660 EX FICO 642 TU FICO 606
Goal Score: 680
Message 2 of 9
Member

Re: DV Letter or letters to Collection Agency??

Thank you for the reply!

 

Now another questions that I didn't see forthcoming. On my tri-reort from USAA there is an address listed but it is different than one I found somewhere else. On the report it's listed just as "Rob Reg Yng" with an address, but somewhere I found someone thought they were R*binson, Reagan & Young, PLLC but with yet a different address. So far, I've seen about 4 addresses. If I want to send a DV for this Collection, do I use the address on the Tri-Report I just pulled last night from USAA.

 

And is there an advantage to sending to an address you know is valid, or an old one that is on a report that might be old?

 

But then again that would depend on if I want them to validate the debt or in this case, we think we really do have a check showing where we paid this issue, so I would want it to go to a legimate address?

 

Is there a simple rhyme or reason to current address for these folks?

Message 3 of 9
Moderator Emeritus

Re: DV Letter or letters to Collection Agency??

One letter per TL.  As for the address, it's supposed to be the correct address on your CR but that is not always the case with a CA.  Have you googled them?  Sometimes this will give you the current address.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Current scores after adding $81K in CLs and 2 new cars since July 2013
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Message 4 of 9
Highlighted
Member

Re: DV Letter or letters to Collection Agency??

TY!!!

Message 5 of 9
Moderator Emeritus

Re: DV Letter or letters to Collection Agency??

If you're still having trouble finding the address, post a thread on here.  Chances are someone's already dealing with them.

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 9
New Visitor

Re: DV Letter or letters to Collection Agency??

I really need help with my credit report. there is a agency called ROB REG YNG. Which charged me $1621, for something I dont know of. The company is unlisted.  I looked them up they/ ROB REG YNG have no phone numbER.  I have been frauded, PLEASE HELP. I actually thought I was doing something because I paid off my old apartment, last year about $600, and this year I paid off my student loan at about $1200, I am willing to pay off debts I made, but not the ones I didnt make, please help

Message 7 of 9
Established Contributor

Re: DV Letter or letters to Collection Agency??


Thedaness wrote:

I really need help with my credit report. there is a agency called ROB REG YNG. Which charged me $1621, for something I dont know of. The company is unlisted.  I looked them up they/ ROB REG YNG have no phone numbER.  I have been frauded, PLEASE HELP. I actually thought I was doing something because I paid off my old apartment, last year about $600, and this year I paid off my student loan at about $1200, I am willing to pay off debts I made, but not the ones I didnt make, please help


Dispute it within the CRA.

Current Scores (9/9) - Equifax 542 - TransUnion 560 - Experian 563

$500
Message 8 of 9
New Visitor

Re: DV Letter or letters to Collection Agency??

ok thank u. Ill look it up.

Message 9 of 9