topic Re: proper validation? in Rebuilding Your Credit

proper validation?

Anonymous — Wed, 28 May 2008 13:20:52 GMT

I DV'd Portfolio Recovery for an old collection. They sent a letter on their letterhead stating that the debt was purchased form Midland/Household, the amount due, and my name on it. Is this proper validation? I did request full media validation. What is my next step? Thanks!

Re: proper validation?

Anonymous — Wed, 28 May 2008 14:34:32 GMT

If they sold the debt to Midland then I doubt they would have to validate or going to put labor hours into researching this for you. Sounds like you are going to have to DV Midland. Did they provide a new account number? If not wait it out until you get a statement from Midland and then send DV, I wouldn't call inquiring.

Re: proper validation?

Anonymous — Wed, 28 May 2008 14:59:36 GMT

Portfolio Recovery is actually stating they bought the debt from Midland. Portfolio now owns it, and that is who I DV'd. They have provided no doumentation other than a statement on their letterhead.

Re: proper validation?

Anonymous — Wed, 28 May 2008 16:14:32 GMT

If you sent the simple validation letter...YES...if you sent the Full Media Validation letter....NO...

Re: proper validation?

Anonymous — Wed, 28 May 2008 17:13:24 GMT

I did sendthe Full Media Validation letter. Should I send the 2nd DV letter? or? Thanks for everyone's help.

Re: proper validation?

Anonymous — Wed, 28 May 2008 17:17:12 GMT

YES..the 15 day one...

Re: proper validation?

Anonymous — Wed, 28 May 2008 17:27:09 GMT

Sending out today, Thanks!

Re: proper validation?

Anonymous — Wed, 28 May 2008 17:51:22 GMT

I apologize for my brain cramp or dyslexic moment which ever your want to call it. I so totally read that post backarsewards. Yes they would have to validate and yes I would send the 15 day debt validation letter asap. I'm so sorry I read that wrong, I apparently got more sun over the memorial day weekend than I thought.

Message Edited by Bran9192 on 05-28-2008 10:51 AM

Re: proper validation?

Anonymous — Wed, 28 May 2008 17:50:30 GMT

Is the 15 day DV letter the same as the 30 day with just the days to respond changed? Yeah another silly question.

Re: proper validation?

Anonymous — Mon, 09 Jun 2008 18:52:26 GMT

I sent the 15 day letter on 6/1, and they have updated again on 6/7 to my Exp report. What should be my next step? I cannot get them to validate, they are not reporting to the CRA's as being disputed, and they keep updating.

Re: proper validation?

Anonymous — Mon, 09 Jun 2008 18:56:35 GMT

All you can do is...send all the info to the CRAs...and hope they delete...but...to tell you the truth...I have NEVER seen any success stories...with doing so...GOOD LUCK!!!...but I'm going through the same thing..and will try also...next week...

Re: proper validation?

Anonymous — Mon, 09 Jun 2008 19:10:55 GMT

I have had no luck with the CRA's deleteing either. They usually verify everything, whatever "verify" means to them.