Regular Contributor
Posts: 151
Registered: ‎05-22-2010
Re: Convergent collection letter

This sounds like a classic dunning letter. Look carefully...there should be a blurb in there somewhere about having 30 days to notify them (in writing) that you dispute the debt in question.

I would send them a DV letter right away (certified mail, return receipt).

If you don't challenge it, and the debt in question is less than 7 years old, they could put it on your CR. Not something you want showing up in the midst of trying to buy your 1st home. 


Good luck! :smileyhappy:

Starting Score: EX: 661, EQ: 662, TU: 694 [Lender Pull 12/30/2010]
Current Score: EX: 665, EQ: 680, TU: 710
Goal Score: EX: 750+, EQ: 750+, TU: 750+

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