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Established Member
915westtexas
Posts: 18
Registered: ‎02-08-2012
0

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
Frequent Contributor
Lois5669
Posts: 342
Registered: ‎02-10-2012
0

Re: Simple DV worked! National Recovery Services

Simple is almost always better. Congrats :smileyhappy:


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


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Frequent Contributor
Student_Loans_Kill
Posts: 297
Registered: ‎02-12-2012
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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


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New Contributor
freshstart2012
Posts: 140
Registered: ‎02-12-2012
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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.

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Moderator Emeritus
MarineVietVet
Posts: 14,577
Registered: ‎07-14-2009
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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".

Established Member
915westtexas
Posts: 18
Registered: ‎02-08-2012
0

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 :smileyhappy:  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
Moderator Emeritus
MarineVietVet
Posts: 14,577
Registered: ‎07-14-2009
0

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 :smileyhappy:  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.

Established Member
ranjen1
Posts: 39
Registered: ‎02-13-2013
0

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
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guiness56
Posts: 22,406
Registered: ‎01-17-2008
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Re: Simple DV worked! National Recovery Services


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