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! Smiley Happy


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+

Take the FICO Fitness Challenge for 2011