Credit Card Center Advertiser Disclosure†
04-24-2008 05:57 PM
AMEN to that! Except dont break the law ofcourse! LOL!
You don't need to be honest in a dishonest system or with dishonest people.
The law is ridiculous;
No one could send you a letter accusing you of murder to one of any of your previous valid addresses and then refuse to supply any evidence because you didn't reply in 30 days. It is a rigged system through and through and you should do whatever you can and whatever it takes to get lines off your system and your score up. Period.
04-24-2008 08:06 PM
Thanks for for the advice. I am going to send them a DV letter and tell them that I just received the letter.
04-25-2008 05:55 PM
04-28-2008 10:10 AM - edited 04-28-2008 10:16 AM
09-26-2008 06:44 PM
03-30-2009 11:22 AM
I recently DV'd an account that has not been reported on my CRA yet. Before they had even signed for the letter I received a letter from a new CA about the same account. Now do I have to DV the new CA or do I wait for the old CA to respond. I received the letter from the new CA today.
04-18-2009 03:27 PM
Is the all I need in a DV letter to a CA? Should I sign it or not? Does it need to be hand written? Should anything else need to be added?
Thanks for all the help!
April 18, 2009
"I pulled my credit bureau report, and I discovered that you claim I owe you a debt. Under § 809 of FDCPA”, I am requesting validation of the debt, which includes a copy of the debt or judgment for which you are collecting.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.