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Regular Contributor
Mish0817
Posts: 170
Registered: ‎12-02-2012
0

jack attack

wanting to do a jack attack, sent dv's have green cards back. Can I dispute online or does it have to be in writing?



Eq 675
TU 681
Ex your guess is as goodas mine!

Nfcu Cash Rewards 15000, Nfcu nRewards Mc 15000, Walmart 600, Target 400, VS 650,Capital one 3750, Us Bank 300, Discover 4500,Citi DP 1500, Chase Freedom 2000. And I'm done...... no more cards just going to tend my garden
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: jack attack

I do know what the premise is on a so called "jack attack".  However it does not work.   A DV or even a cease and desist does not exclude the creditors from verifying a debt.  Sorry. 


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July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Regular Contributor
Mish0817
Posts: 170
Registered: ‎12-02-2012
0

Re: jack attack

Thanks for the response shogun,  I kept seeing jack attack pop up in threads so I thought this was a normal procedure After DV to s dispute with CRA's and if come back verified to PFD?   



Eq 675
TU 681
Ex your guess is as goodas mine!

Nfcu Cash Rewards 15000, Nfcu nRewards Mc 15000, Walmart 600, Target 400, VS 650,Capital one 3750, Us Bank 300, Discover 4500,Citi DP 1500, Chase Freedom 2000. And I'm done...... no more cards just going to tend my garden
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: jack attack

I would leave out the dispute, if they agreed to the PFD, the dispute would just prolong the reporting. 


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!
Mega Contributor
RobertEG
Posts: 18,463
Registered: ‎03-19-2007
0

Re: jack attack

+1

The DV and dispute processes are under different statutes, and for entirely different purposes.

 

Regardless of whether you have requested debt validation from the debt collector, which is unrelated to credit reporting, if they have also reported to your credit file, and you have basis for asserting that reporting is inaccurate, you can dispute its accuracy under the FCRA.

Nothing occuring under the DV process is a basis for an FCRA dispute.  You must provide sufficient documentation in any dispute so as to enable the furnisher to conduct a reasonable investigation of the asserted inaccuracy.

If you simply "dispute" without meeting the burden of identification of a specific inaccuracy, it can be dismissed without investigation as "frivolous or irrelevant."

Regular Contributor
Mish0817
Posts: 170
Registered: ‎12-02-2012
0

Re: jack attack

thanksdr thanks guys :smileywink:.    



Eq 675
TU 681
Ex your guess is as goodas mine!

Nfcu Cash Rewards 15000, Nfcu nRewards Mc 15000, Walmart 600, Target 400, VS 650,Capital one 3750, Us Bank 300, Discover 4500,Citi DP 1500, Chase Freedom 2000. And I'm done...... no more cards just going to tend my garden

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