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Sold Out

Established Contributor

Sold Out

Are the CAs selling my information? I am in the process of repairing and rebuilding. I got a phone call today from a CA I did not contact. Why are they calling me all of a sudden? And how did they get my work number? Are the CAs exchanging my information now that I have made contact? This particular CA (Dynamic Recovery Solutions) has a debt from 2007. They left a message and I did not return the call.

 

I plan to DV and also send a C&D.


Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


Take the myFICO Fitness Challenge NFCU nRewards $20K Cap1 Secured $500 NFCU LOC $15K TJX $250 BOA $500
Message 1 of 8
7 REPLIES
Moderator Emeritus

Re: Sold Out

There are several skip trace methods the CAs use to find information about you, and I'm sure they share these somehow.

 

You say you are sending a DV, why would you send a C&D at the same time.  That just keeps them from contacting you, the debt will remain and stay on your CR.  

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

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.
Message 2 of 8
Established Contributor

Re: Sold Out

I thought the C & D would get them to stop calling my job, no? The DV is enough?

Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


Take the myFICO Fitness Challenge NFCU nRewards $20K Cap1 Secured $500 NFCU LOC $15K TJX $250 BOA $500
Message 3 of 8
Moderator Emeritus

Re: Sold Out

The DV would be timely so it would bar them from collection activity until they respond to the DV, so they couldn't call your work.  A C&D would prevent them from contacting you at all, if it was in SOL they would probably go straight for a judgement.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

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.
Message 4 of 8
Established Contributor

Re: Sold Out

I see...thanks again for being so helpful! I will only mail out the DV. It's due to fall off next year, I believe?? I did not contact them since its the one and only CA I was waiting out.

Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


Take the myFICO Fitness Challenge NFCU nRewards $20K Cap1 Secured $500 NFCU LOC $15K TJX $250 BOA $500
Message 5 of 8
Highlighted
Valued Contributor

Re: Sold Out

The next time they call, tell them that this is a place of business (if they are calling you at work) and to stop calling this number. I believe legally, they have to stop calling. The FDCPA code, 15 U.S.C ss, 1692b-c tells us that once you tell a creditor that your employer does not allow calls concerning these things coming into the workplace, they must adhere and not call again.

 

 

Scores: about 700 across the board
Total CL: $275k
Message 6 of 8
Established Contributor

Re: Sold Out

Thank you very much! Very useful information. Much appreciated!


Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


Take the myFICO Fitness Challenge NFCU nRewards $20K Cap1 Secured $500 NFCU LOC $15K TJX $250 BOA $500
Message 7 of 8
Established Contributor

Re: Sold Out

I believe that the request has to be in writing. I would send CMRR.





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 741 Equifax 682 Experian 678

Goal Score: 700 across the board


Take the FICO Fitness Challenge

Last HP 6/10/2015
Message 8 of 8