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DV letter no response

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RobertEG
Legendary Contributor

Re: DV letter no response

Requesting debt validation is one of the few acts where a consumer is under a statutory period, and thus it is prudent to have proof of date sent.

If not sent within 30 days of dunning notice, it is not timely and thus imposes no cease collection bar.

Thus, the debt collector could simply continue business as usual, and ignore it.

Message 11 of 14
Ravensfan2001
Established Contributor

Re: DV letter no response


@RobertEG wrote:

Requesting debt validation is one of the few acts where a consumer is under a statutory period, and thus it is prudent to have proof of date sent.

If not sent within 30 days of dunning notice, it is not timely and thus imposes no cease collection bar.


So, mine is not timely. That's why I don't think sending CMRRR matters. Send it CMRRR anyway?


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (9/3/15): Wally TU 639 | Amex EX 628 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 8/1/15. TU-5; EX-16; EQ-13. Aiming for ZERO inqs.
Message 12 of 14
RobertEG
Legendary Contributor

Re: DV letter no response

No, I wouldnt.

Message 13 of 14
Ravensfan2001
Established Contributor

Re: DV letter no response

Thanks for the info, everyone. Sorry for all the questions. Just wanted to make sure what I should do with my untimely DV letters.Smiley Happy


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (9/3/15): Wally TU 639 | Amex EX 628 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 8/1/15. TU-5; EX-16; EQ-13. Aiming for ZERO inqs.
Message 14 of 14
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