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Regular Contributor
Mish0817
Posts: 160
Registered: ‎12-02-2012

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 661
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Moderator
Shogun
Posts: 12,884
Registered: ‎04-15-2011

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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Regular Contributor
Mish0817
Posts: 160
Registered: ‎12-02-2012

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 661
Ex your guess is as goodas mine!

Nfcu Cash Rewards 5000, Nfcu nRewards Mc 2500, Walmart 600, Target 200, VS 350,Capital one 500,Capital One Secured 551, Us Bank Secured 300 All less than 8 months old!
Moderator
Shogun
Posts: 12,884
Registered: ‎04-15-2011

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: 17,456
Registered: ‎03-19-2007

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: 160
Registered: ‎12-02-2012

Re: jack attack

thanksdr thanks guys :smileywink:.    



Eq 675
TU 661
Ex your guess is as goodas mine!

Nfcu Cash Rewards 5000, Nfcu nRewards Mc 2500, Walmart 600, Target 200, VS 350,Capital one 500,Capital One Secured 551, Us Bank Secured 300 All less than 8 months old!

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