cancel
Showing results for 
Search instead for 
Did you mean: 

DEBT validation

tag
iwant700fico
Frequent Contributor

DEBT validation

I got bunch of CC;s and I sent out DV letter using registered mail. I also diputed with CRA's. They didnt respond to my letter and rerreported me to CRA's causing my fico to fall further. what should I do. they are cc's mostly for utilitis and old charge off accounts. any help is apperciated.
EQ 786 2/2018
TU 792 8/2018
EX 776 2/2018 Chase CSR $28.5k
Barclay Advantage $17.5 k
Amex BCE $29k
CITI Advantage $24.2k
Amex HILTON $13k
Total Rewards visa $20K
Chase INK $11k
Chase Sapphire Reserve $28.5k
BOA 8k
Discover IT 8K
Message 1 of 10
9 REPLIES 9
Anonymous
Not applicable

Re: DEBT validation

Did you dispute to the CRA while inside the 30 day period of the DV or after?
Message 2 of 10
iwant700fico
Frequent Contributor

Re: DEBT validation

inside the window
EQ 786 2/2018
TU 792 8/2018
EX 776 2/2018 Chase CSR $28.5k
Barclay Advantage $17.5 k
Amex BCE $29k
CITI Advantage $24.2k
Amex HILTON $13k
Total Rewards visa $20K
Chase INK $11k
Chase Sapphire Reserve $28.5k
BOA 8k
Discover IT 8K
Message 3 of 10
llecs
Moderator Emeritus

Re: DEBT validation

Did you sent the letters to the CCs or the CAs?
Message 4 of 10
iwant700fico
Frequent Contributor

Re: DEBT validation

I sent letters to CA's. and disputed some with CRA's
EQ 786 2/2018
TU 792 8/2018
EX 776 2/2018 Chase CSR $28.5k
Barclay Advantage $17.5 k
Amex BCE $29k
CITI Advantage $24.2k
Amex HILTON $13k
Total Rewards visa $20K
Chase INK $11k
Chase Sapphire Reserve $28.5k
BOA 8k
Discover IT 8K
Message 5 of 10
Anonymous
Not applicable

Re: DEBT validation

I believe it is legal for them to report within the 30 days. If they do not respond to your DV after 35 days send a copy of the letter, GC and certified mail receipt to the CRA and dispute they did not validate.
Message 6 of 10
fused
Moderator Emeritus

Re: DEBT validation



iwant700fico wrote:
I got bunch of CC;s and I sent out DV letter using registered mail. I also diputed with CRA's. They didnt respond to my letter and rerreported me to CRA's causing my fico to fall further. what should I do. they are cc's mostly for utilitis and old charge off accounts. any help is apperciated.

Are these baddies yours?
Message 7 of 10
iwant700fico
Frequent Contributor

Re: DEBT validation

yes they are mine
EQ 786 2/2018
TU 792 8/2018
EX 776 2/2018 Chase CSR $28.5k
Barclay Advantage $17.5 k
Amex BCE $29k
CITI Advantage $24.2k
Amex HILTON $13k
Total Rewards visa $20K
Chase INK $11k
Chase Sapphire Reserve $28.5k
BOA 8k
Discover IT 8K
Message 8 of 10
Anonymous
Not applicable

Re: DEBT validation

What are you meaning when you say "CC" . 
 
People usually refer to credit cards using "CC" but your original post wouldn't make sense if you are meaning credit cards when using it, or maybe I am just not reading it right.
Message 9 of 10
fused
Moderator Emeritus

Re: DEBT validation



iwant700fico wrote:
yes they are mine


Discussions on disputing accurate information with the CRAs violates myFICO forum's credit repair discussion guidelines. Please read these guidelines before posting anything further about credit repair. Thanks for contributing to these forums and for your cooperation!

Credit Repair Discussion Guidelines  Terms of Service   User Guidelines
 
--fused
 
Message 10 of 10
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.