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Simple DV worked! National Recovery Services

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Established Member

Simple DV worked! National Recovery Services

In looking through various posts I saw somewhere to keep the DV letter simple.  I had something on my report from National Recovery Services - did not recognize the debt at all but stated I owed over $700.  I think I copied what I read verbatim:

 

"I pulled my credit bureau report and I discovered that you claim I owe you a debt.  Under FDCPA 809 send me validation of this debt."

 

Well, thank goodness I checked my bulk folder today because I received this email response: " We do not have access to the validation information you are requesting....Because we are unable to process your validation request, weill be closing your account in our office...as a result of the closure, we have requested deletion of our trade line from your TU CR...this is the only credit reporting agency we do any reporting to...."

 

Yay!  and it is only on TU.

Starting Score - 482 EQ (2/4/2012)
Current Score - 542 EQ (SW 3/22/2012), TU 505 (2/25/2012)
First goal - to get into the 600s
Message 1 of 9
8 REPLIES
Frequent Contributor

Re: Simple DV worked! National Recovery Services

Simple is almost always better. Congrats Smiley Happy


Starting Score: EQ = 550; TU = 491(2/10/12)
Current Score: EQ = 669; TU = 674(6/20/14)
Goal Score: 700+


Take the FICO Fitness Challenge
Message 2 of 9
Frequent Contributor

Re: Simple DV worked! National Recovery Services

really? i didn't know, I uesed some very complex DV letters


Starting Score: 656
Current Score: 678 TU 08, 665 EQ MyFico, 698 EX PSECU
Goal Score: 7OO needed for Mortgage application


Take the FICO Fitness Challenge
Message 3 of 9
New Contributor

Re: Simple DV worked! National Recovery Services

Would you mind sending me a template for the DV letter?  I keep finding some very long winded ones.

GOALS
GW Crescent bank to delete 3 30 day lates, GW Transouth Financial to delete 4 30 day lates, GW Sams club, GW Service Credit Union, GW Paramount Recovery, PFD LVNV Funding, PFD Applied Bank, PFD Capital One, PFD Asset Acceptance, PFD Capital One
Message 4 of 9
Moderator Emeritus

Re: Simple DV worked! National Recovery Services


freshstart2012 wrote:

Would you mind sending me a template for the DV letter?  I keep finding some very long winded ones.


Something like this is all you need. Send the letter CMRRR.

 

"You say I owe you a debt. Please send me validation".

 

"As per FDCPA 809 please send me validation of my alleged debt".

Message 5 of 9
Established Member

Re: Simple DV worked! National Recovery Services

Actually I think it was MarineVietVet that posted on another thread the exact same thing - and it's what I used Smiley Happy  Keeping it simple worked!  Thank you!

Starting Score - 482 EQ (2/4/2012)
Current Score - 542 EQ (SW 3/22/2012), TU 505 (2/25/2012)
First goal - to get into the 600s
Message 6 of 9
Moderator Emeritus

Re: Simple DV worked! National Recovery Services


915westtexas wrote:

Actually I think it was MarineVietVet that posted on another thread the exact same thing - and it's what I used Smiley Happy  Keeping it simple worked!  Thank you!


I'd like to take sole credit for the advice to keep it "short and sweet" but I read that somewhere else and just like to pass it along.

 

I'm glad it worked for you.

Message 7 of 9
Established Member

Re: Simple DV worked! National Recovery Services

I know this is an old post, but did you email NRA or send them a letter certified with return receipt?

LENDER PULL 02/13/13 EF 574 TU 596 XP 554
LENDER PULL 03/21/13 EF 632 TU 611 XP 589

GOAL: 640 FOR USDA
Message 8 of 9
Epic Contributor

Re: Simple DV worked! National Recovery Services

Message 9 of 9