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Something that you may not be aware of. They are doing these DVs, disputes, etc. as you! They are not coming out as a credit repair company or a Law Firm, they are representing as you are the one that is doing this.
The CRAs do not have to respond to third parties, and if they think this is coming from a 3rd party they will mark it as frivolous and will inform you of such and that they will no longer investigate the matter.
Credit Repair Agencies also do not communicate with the lenders, so anything they send will also appear to come from you. I'm sure you sent them ID, maybe an electric bill, etc... this is so if they are asked, they will send this as proof it's you, even though it's not.
So yes, just hiring them can poke the bear and you will not have a recourse.
I dont get it..
Why would you even consider sending a DV letter knowing you wern't financially obligated to pay if it came back verified? You can't always assume just because you read someone elses success stories about how a DV letter worked and it got removed from their report it would be the same for you. Everybody's situation is different.
A DV is requesting proof of debt and so if it is validated as requested with orginal documents the next step is to request a PFD in writing then pay.
@eric19k wrote:
You would be 100 times better than Lexington Law
My patients at my regular job might not like it. lol.