topic Re: DV Letter in Rebuilding Your Credit

DV Letter

tsu1112 — Sat, 04 Apr 2009 22:47:44 GMT

Should I send a DV letter to a CA I know I will be sending a PFD letter to right after that?

Re: DV Letter

Anonymous — Sat, 04 Apr 2009 22:52:33 GMT

IMO, you should always DV and wait for the response before sending a PFD.

Re: DV Letter

natasjlp — Mon, 06 Apr 2009 20:35:13 GMT

I have a collection I need to DV - but I didn't realize it was on my report until recently - it has been on there since 2007.

I have read there is a 30 day limit for me to DV? I am in MA - does this apply? Can I still DV?

Re: DV Letter

Anonymous — Wed, 05 Aug 2009 04:48:49 GMT

should i include my account number in a DV letter or does that just help them validate? Is including my name on the letter enough?

What if its past the 30 day period and I only noticed this acct on my credit report. Can I still DV?

Re: DV Letter

RadioRob — Wed, 05 Aug 2009 07:18:22 GMT

You should include the account number and anything else they need to actually identify you. The point of a DV is to be able to identify you, but not be able to prove they have the right to collect a debt from you.

If they can't identify your account, all that will happen is they'll reply asking for additional info.

At the end of the day, you want them to say we've deleted your account with us because we agree we are not entitled to collect this debt or we cannot prove it's yours.

Re: DV Letter

llecs — Wed, 05 Aug 2009 08:15:00 GMT

....just don't do their job for them. Don't include the OC's info, name, balance, etc.

Re: DV Letter

mizzmonick19 — Sat, 07 Aug 2010 15:54:36 GMT

So when you do DV letter, you are sending it to the CA on your credit report.

llecs.... so to not "do their job for them" do I use the partial account # on the CR?

Also, what else do you say in the letter?

I guess I should google a sample DV letter....

Re: DV Letter

MarineVietVet — Sat, 07 Aug 2010 18:01:46 GMT

@mizzmonick19 wrote:
So when you do DV letter, you are sending it to the CA on your credit report.

llecs.... so to not "do their job for them" do I use the partial account # on the CR?
Also, what else do you say in the letter?

I guess I should google a sample DV letter....

Keep it simple.

"I pulled my credit bureau report, and I discovered that you claim I owe you a debt. Under FDCPA 809 send me validation of this debt."

"You claim I owe you a debt. In accordance with FDCPA, send me validation of this debt."

"I received your letter claiming I owe you a debt. Per the FDCPA, send me validation of this debt."

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772

You can do the same thing with hard work

Re: DV Letter

mizzmonick19 — Sat, 07 Aug 2010 19:30:50 GMT

Thanks, marinevietvet! Keeping it simple it always the best route when dealing with CA's.