topic Re: I think I blew it with DV... in Rebuilding Your Credit

I think I blew it with DV...

Journey — Sun, 12 Apr 2009 22:53:48 GMT

*sigh*

I have been working so hard on my credit since November (EQ up from 595 to 666), and buggin' the heck out of you Mods by asking a million questions...(thank you so much...)

And I hate to ask another one and admit that I think I screwed up.

Here goes...I have a PAID Verizon/GTE acct on all three reports from 7/06. In the 12 PRE-HIPAA letters I sent on 2/24, I also sent a DV or GW to Verizon/GTE (can't remember which now because I sent too much at one time and cannot find my copy I made), and failed to CMRRR it in my focus on CMRRRing the CRA letters. Oh boy. Anyway, the acct was not marked disputed on my 3/21 CRs, but is on my new 4/4 CRs.

Can anyone please help me figure out how, if even possible, to fix this blunder? Should I send another DV CMRRR and use that 30 day window? My fear is if they do not validate, I have no proof I sent the letter, other than their notation on the CR. Maybe I should just start all over with them...

My lesson learned here is to take my time and not try to conquer everyone's letters in one fell swoop. I guess I just got so excited.

Thanks for any help you all can offer!

Re: I think I blew it with DV...

Anonymous — Sun, 12 Apr 2009 22:56:10 GMT

If a GW, it need not be sent CMRRR.

If a DV and you sent it to the OC....then they don't have to respond at all as DV's are for CAs, so it need not be sent CMRRR.

Re: I think I blew it with DV...

Journey — Sun, 12 Apr 2009 23:05:42 GMT

Oh...okay...I am really confused then!

Thanks for setting me straight.

So I guess I could follow up with a GW letter (which must be what I sent, then).

And if they never respond, then that's my answer.

If by chance I sent a DV erroneously, have I really messed up?

Re: I think I blew it with DV...

nothingman02 — Sun, 12 Apr 2009 23:31:56 GMT

Nope! Their recycle bin will simply take care of it.

ETA: Actualy no. Seems like they are responding to your DV or GW by marking the a/c as being in dispute.

Message Edited by nothingman02 on 04-12-2009 04:31 PM

Re: I think I blew it with DV...

Journey — Sun, 12 Apr 2009 23:49:35 GMT

And, would that be a good thing for them to respond to my GW as a dispute?

How long should I wait before trying another GW?

Thanks!

Re: I think I blew it with DV...

nothingman02 — Mon, 13 Apr 2009 00:01:09 GMT

Not necessarily.

It means though that they are considering your letter instead recycing it. Pretty soon its gonna say that the disputed reporting "Meets FCRA requirements". If it was a GW that you sent though, you've got to wait and see if they're gonna agree to it.

Re: I think I blew it with DV...

Journey — Mon, 13 Apr 2009 01:11:25 GMT

Thanks Nothinig & Sidewinder...will wait a couple more week. They should have rcvd the letter 2/27, so it's already been almost 45 days. Will give them till the end of this month, then send another.