Hi Everyone...I love this place. I have learned so much coming here however I do have some questions that I can not seem to get a definite answer on.
After many years of running from my credit issues I have slowly started rebuilding.
My question is on DV. I have a collection account that is scheduled to continue on record until 8/2011. I do not think this account is mine and I have disputed the account and it is coming back "verified". The balance is $608.00
I was thinking about sending a DV letter to this company but I heard that because the collection agency has had the account over 30 days I can not ask them to validate the account now. On the contrary I have heard that yes in fact they do have to validate and do so within 30 days.
Can anyone tell me how much of this is true or false. I read the posts but I am looking for a definite answer to my situation as others are a little different.
Any response would be so appreciated.