Got a call today from "national check registry"..she left a message sayin i need to call her back regarding an account from my previous address... And if i don't they will take further actions (attorney etc....) ...if i owe them something, why wont they send me a notice by mail??? I dont even know how theygot my number as this is a new phone..... Should i call back???? I dont even know what it was from .... Pls advise...
Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
Did the message call you by name?
I suspect they are phishing for information here. If they call again, state that you are requesting a DV of the debt and to mail it to your address. Chances are they will hang up.
@madmann26 wrote:Did the message call you by name?
I suspect they are phishing for information here. If they call again, state that you are requesting a DV of the debt and to mail it to your address. Chances are they will hang up.
Yea, my full name...i mean, if they got my phone, why cant they just mail me a notice that i owe them something.... Im sure they all got my address.... last week, i got texts msgs as well...i mean, who collects debt by texts??? Serously???
Its called harrassment. DO not verify any info including Birthdate or anything tell them to send you a notice
Starting Score: 0
@annielorie wrote:Its called harrassment. DO not verify any info including Birthdate or anything tell them to send you a notice
should i even bother speaking with them??? And verify my name??
They are required by the FDCPA to send you a dunning notice within 5 days of contact. You need to send them a DV as it would be considered timely and time bar them from collecting on the debt until they have validated it.
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@Shogun wrote:They are required by the FDCPA to send you a dunning notice within 5 days of contact. You need to send them a DV as it would be considered timely and time bar them from collecting on the debt until they have validated it.
so should i just wait for the notice? I really dont wanna speak with them over the phone.... 
The 5 days start with the action of attempting to collect a debt.
This includes, phone calls, mail, or even placing the item on your CR.
Wait for the notice, if you don't see one, send them a DV.
I did that to a company last week because of something that posted to my CR. I DV'd immediately and they sent me a letter, which I got on Monday, stating they are removing the account from my CR.