Re: To DV or not to DV

ranjen1 · ‎02-13-2013

Should I bother sending a DV to CA's that I know are past the 30 days?

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

guiness56 · ‎02-13-2013

You can. They just don't have to validate or remove anything. But who knows, they might.

Credit Scoring 101
Guide to Common Abbreviations
Other Frequently Requested Threads
Closing Credit Cards
Direct Dispute

Shogun · ‎02-13-2013

I've actually found that most of the more credible CA's will validate even after the 30 days has passed. The bottom feeders? Not so much.

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.

RobertEG · ‎02-16-2013

Since DVs dont compel any validation/verification, the issue is one of whether the DV has imposed a cease collection bar.

They can choose not to respond even if timely. The real issue is one of violatiton of their cease collection bar without having verified.

Send a DV, timely or not, if you desire their statement that they have investigated and verify that they have basis to collect on the debt.

To DV or not to DV

Get your FICO® Score for free

To DV or not to DV

Re: To DV or not to DV

Re: To DV or not to DV

Get your FICO Score for free