Re: Convergent collection letter
11-14-2012 05:02 PM
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.
Starting Score: EX: 661, EQ: 662, TU: 694 [Lender Pull 12/30/2010]
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