Mega Contributor
RobertEG
Posts: 17,456
Registered: ‎03-19-2007
Re: Getting away from Lexington Law.

What in the world is "validation demand mode?"

I presume they mean debt validation letters.

 

DV letters are sent only to debt collectors, not to creditors, so I have no idea how they apply to issues with the creditors.

Additionally, DV letters arent demands, they are a process whereby you can, if timely sent, require cessation of collection activities by a debt collector until they choose to provide validation of the debt.  And unless sent within 30 days of their dunning notice, they do not even invoke a cease collection bar.

DVs must come from the consumer, not a credit repair organization.

 

Sounds like a high-fallutin' smoke intended to make you feel they have more to offer,  and has little if any relationship to any issues of credit reporting or CR deletion.

Established Contributor
westo12
Posts: 579
Registered: ‎07-20-2008
Re: Getting away from Lexington Law.

I've seen a few folks here get PFD's with Enhanced Recovery.  

2014 Starting-618, current TU636/EX653/EQ600 (WalmTU 8/13,Prosper, CLI decline ltr) / Ending Goal score: 720 - 25 pos TLs / Baddies: 1 unpd $312 med CA, 1/30 day auto late on 9/1/12 /reported Install Bal/Lim: 17885/28512 | reported Revolving Bal/Lim: 10055/21082=49%util.

**IN the garden until I get some auto CLI's on major accts**