Posts: 13,897
Registered: ‎04-15-2011
Re: CA call for debt that's not mine.

+1  I've notice people getting too jumpy with the cease and desist letters.  These are last resort measures, not something you swing at with the first pitch.  Use the DV method, not only does it stop the calls, it puts the collection in limbo until verified.  If it does turn out to be a validated debt, you've shot yourself in the foot and send them a big card saying "SUE ME".  Send the DV first, investigate what it is.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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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!