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This particular tradeline on my credit from CA Enhanced Credit recovery is hurting my score so bad and it is only for $614 and this is for a sprint account that I had about 2 or 3 years ago.
They are the biggest **bleep** and I don't care if I do owe them... I don't want to pay them a damn dime. However, I need this off my credit, I'm trying to get a vehicle and I have a credit card in which I never been late on...
Anyhow... I read some of the threads about "ENHANCED CREDIT RECOVERY" and a lot of people was successful with getting it removed because they failed to reply back with Validation.
Now, once I send the Debt Validation letter... should I do it mail or email?? And if they don't respond within 30 days how do I prove to the Credit Bureaus that they didn't respond and to remove it? Or will the Collection Agency remove it on it's own??? But what if they don't? How do I dispute?
Out of all my little collection bills... this is the toughest. The people that's answering the phones sound asleep and sound very "SCAMMY" they sound like crooks... I wouldn't dare pay my money to these bastards any advice?
You are reading incorrect sources.
Sending of a DV does not impose any requirement to or period for response by the debt collection.
A DV, if timely, imposes a cease collection bar on the debt collector, preventing them from continuing any collection activities until they first provide the requested validation. They can choose to remain under the cease collection bar and never respond.
If you do send a DV, the statute requires that it must be in writing.
If you send within 30-days for dunning notice, it would be prudent to send certified for proof of date.
If your DV is untimely, meaning sent after 30days for dunning notice, then it imposes no cease collection bar,and thus there is no need for proof of sending.