So i got the itch about a month ago to dispute a collection account with our good friend Midland before reading about the DVs and all that. Can I still DV them even though I disputed online and it was verified, my dispute reason was ownership. They did send me mail with the typical "provide us with more info" message. I'm hoping its not too late to DV and go the correct route of handing things. Thanks in advance!
Starting Score: EQ FICO 627 CK 633 CS 630 (12/2012)Also this collection is from around 2007-8...i might be out of luck
Sure you can send them a DV, but unless you live in Texas and use their statute, they don't have to respond, but Midland typically does. If they verify, you can try the PFD route, however I will advise you they are not PFD friendly.
Edited for grammar, sorry, worked all night. ;(
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.