Simple DV worked! National Recovery Services

915westtexas · ‎02-08-2012

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

Lois5669 · ‎02-10-2012

Simple is almost always better. Congrats

Starting Score: EQ = 550; TU = 491(2/10/12)
Current Score: EQ = 592; TU = 574(4/10/12)
Goal Score: 700+

Take the FICO Fitness Challenge

Student_Loans_Kill · ‎02-12-2012

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

freshstart2012 · ‎02-12-2012

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

MarineVietVet · ‎07-14-2009

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".

915westtexas · ‎02-08-2012

Actually I think it was MarineVietVet that posted on another thread the exact same thing - and it's what I used 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

MarineVietVet · ‎07-14-2009

915westtexas wrote:
Actually I think it was MarineVietVet that posted on another thread the exact same thing - and it's what I used 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.