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Nope on SOL assuming you didn't variate from the meaning of a DV like admitting to the debt or offering to pay. Nothing can reset DOFD (legally).
@-Cain- wrote:
I tried searching, may have missed it but didn't find anything, but does requesting DV restart any clocks (SOL or CRPT)? I want to say I've read here that it doesn't, but would like to make sure. Thanks
DoFD no.
SOL maybe. It's always best to use terminology like "alleged debt" or "even thoguh I do not believe I owe this money, I am willing to ... ".
DV letters relate to debt collection practices under the FDCPA. They are not reported to a CRA, and are not recorded in your credit file.
The periods used to calculate deletion dates from your CR are based only on the relevant date of a derog or delinquency reported to your credit file.
@-Cain- wrote:
That would cover DoFD, but SOL is a different animal then?
Also, can a DV letter cause a TL to be noted as disputed even though one isn't disputing through the CRA? Is that up to each CA or is it the norm?
Yes, SOL is a totally different animal.
There have been cases of a DV resulting in a dispute annotation on the tradeline. Not sure it is the norm, though.