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Valued Member
mjm6711
Posts: 31
Registered: ‎07-06-2012
0

UNV FIDLTY

Hello Everyone,

 

Over the weekend, I got a credit alert from TU stating that an account has gone into collections. After pulling my new report, I found an account from UNV FIDLTY out of Houston Texas in the amount of $116 with the original creditor being 01 CAPITAL MV DIRECT BRANDS. I have no idea what this is, or who this is, and therefore immediately disputed. I never received a dunning letter, which I thought was a violation of FCRA. Is that correct? Does anyone have any information on this CA or who Capital MV Direct Brands could be? The thing that kills me the most is that I just got rid of all past collections and suddenly, this one pops up. I know it's just a FAKO, but it dropped my TU score from 702 to 694. Not huge, but it happened a day after my score went from 694-702.

 

Thanks!


Starting Score: EX: 593 EQ: 635 TU: 593
Current Score: EX: 593 EQ: 622 TU: 588
Goal Score: 675 across the board.


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Regular Contributor
dobirdsmommy
Posts: 227
Registered: ‎02-29-2012
0

Re: UNV FIDLTY

They did the same thing to my DH on Sunday. No dunning notice.  It is for 58.00. He had a collect from back in 12/07 hit and I disputed it as the merchandise was never received and it was removed off the report. Apparently Columbia House decided to resell the debt.  I kept the letter from the previous collection agency where they said they will agree to remove because Columbia House never shipped the items out to us. Still is a PITA though to go thru this again.

First thing to hit either of our reports in almost 4 years!

2011 starting score 383 pull for Santander, EX 639, EQ 669, TU 651 (lending club pull)
Wallet:ME: 750 Cap One, 5k Quicksilver/rewards, 750 Capital one, Gamestop CC 1150, 2370 FH, Santander Car 9.6k/15k, Chase Auto Loan 12/16k, VS 1150, BH 1020, Express 1000, Avenue 750, JCrew 800, HSN 1070, Torrid 700,Roamans 800, Jessica London 940, kings direct 800, Buckle 800, OSP 1050, WW 1050, Solutions 800, Blair 750.. baddies: 2 FP CO 08,
DH: 750 Cap One 750 Cap One 750 capital one fh 2000, AU - VS, BH, HSN, QS 5k
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: UNV FIDLTY

You may still receive the dunning notice.  You are supposed to receive it within 5 days of contact from a CA.   Posting to the CRA is considered a form of contact.  The DV will definitely be timely then.


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+

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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!
Regular Contributor
dobirdsmommy
Posts: 227
Registered: ‎02-29-2012
0

Re: UNV FIDLTY

I just find it funny it was reported on 9/1 knowing the first business day would not be 9/4. They have a dispute email that you can send your disputes to'  and since I checked the report early in the day I hopped over to the post office  and sent them the DV certified.

2011 starting score 383 pull for Santander, EX 639, EQ 669, TU 651 (lending club pull)
Wallet:ME: 750 Cap One, 5k Quicksilver/rewards, 750 Capital one, Gamestop CC 1150, 2370 FH, Santander Car 9.6k/15k, Chase Auto Loan 12/16k, VS 1150, BH 1020, Express 1000, Avenue 750, JCrew 800, HSN 1070, Torrid 700,Roamans 800, Jessica London 940, kings direct 800, Buckle 800, OSP 1050, WW 1050, Solutions 800, Blair 750.. baddies: 2 FP CO 08,
DH: 750 Cap One 750 Cap One 750 capital one fh 2000, AU - VS, BH, HSN, QS 5k
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: UNV FIDLTY

You do have 30 days to send the DV for it to be timely.  And yes, it does seem that they time things to their advantage.  :smileyhappy:


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!
Valued Member
mjm6711
Posts: 31
Registered: ‎07-06-2012
0

Re: UNV FIDLTY

Got an email from TransUnion today that my investigation was complete. Logged in and the account was deleted :smileyvery-happy:

 

Now, ALL of my collections are resolved!! Only three accounts remain on TU, one will be falling off shortly, another reporting a 0 balance, and a FP reporting C/O settled less than full balance. That one will be falling off next September. FP is also the only baddie still showing on my EQ and EX reports as well. So happy to be at this point. It wasn't easy, by any means, but it was so worth it. Thank you to these boards and anyone who helped me personally with questions. Without this place, I'd probably still be at square one. Now, time to get that savings built back up and get back to house hunting:smileyvery-happy:


Starting Score: EX: 593 EQ: 635 TU: 593
Current Score: EX: 593 EQ: 622 TU: 588
Goal Score: 675 across the board.


Take the FICO Fitness Challenge
New Visitor
bettyco21
Posts: 1
Registered: ‎04-30-2013
0

Re: UNV FIDLTY

I also seen this on my credit report,.. did you fix and it and how>?

New Visitor
krystyna2013
Posts: 1
Registered: ‎05-29-2013
0

Re: UNV FIDLTY

What did you do about this?  Because I had the same thing happen today!  They reported something negative on my report, and I called them.  They were rude, and said I owed Capital MV Direct Brands $153 and that they showed I already paid $770!  That's bull!  I searched them both with the BBB, and they have the same address on file!!  They are scammers, dude!  What happened with yours?  I am P!$$@d!! 


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