Posts: 14,051
Registered: ‎04-15-2011
Re: what's the best start?

I don't know if I would go with the demand part.  But I would put in there that you have never had an account with the OC and you are requesting validation of the debt.  

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

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!