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OC reporting on credit - credit union charge off

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movinonup79
Regular Contributor
‎08-26-2010 10:54 AM
‎08-26-2010 10:54 AM

OC reporting on credit - credit union charge off

So a credit union is reporting a charge off of an old bank account on my credit.  I sent a DV letter and have received no response.  What should I do?  If they do not respond, will the CRA's delete?

 

Thanks!

04/01/10 - TU: 659 / EX: 648 / EQ: 601 (LO Scores)
2/25/10 - EQ 588 / EX 660 (LO) / TU 633
2/9/10 - EQ 567 / EX 585 / TU 601
1/12/09 - EQ 544 / EX 570 / TU 593
12/12/09 - EQ 536 / EX 555 / TU 582
11/13/09 - EQ 536 / EX 586 / TU 566
11/03/09 - EQ 540 / EX 544 / TU 574
07/18/06 - EQ 478
Message 1 of 3
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llecs
Moderator Emeritus
‎08-26-2010 12:11 PM
‎08-26-2010 12:11 PM

Re: OC reporting on credit - credit union charge off

DV letters are sent via the FDCPA and those only go to CAs. The OC doesn't have to respond. If you think you might disagree with the debt, then ask for the last few statements and reconcile that way. If you agree, then send a PFD. As always, keep an eye on SOL.

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movinonup79
Regular Contributor
‎08-26-2010 12:21 PM
‎08-26-2010 12:21 PM

Re: OC reporting on credit - credit union charge off

Great!  Thank you!  I will be sending my pfd off today. Smiley Happy

04/01/10 - TU: 659 / EX: 648 / EQ: 601 (LO Scores)
2/25/10 - EQ 588 / EX 660 (LO) / TU 633
2/9/10 - EQ 567 / EX 585 / TU 601
1/12/09 - EQ 544 / EX 570 / TU 593
12/12/09 - EQ 536 / EX 555 / TU 582
11/13/09 - EQ 536 / EX 586 / TU 566
11/03/09 - EQ 540 / EX 544 / TU 574
07/18/06 - EQ 478
Message 3 of 3
0 Kudos
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