Debt Validation Question

[Anonymous]

Can I send a DV for an account that was PIF 4 years ago?

I'm hoping that I can- and they no longer have info on the account so that they have to remove it from my CR.......

[Anonymous]

What was the DOFD on this when you paid it?    If you paid 4 years ago & it was a CA that you paid   there could be a chance that it is past or close to CRTP & will drop.

There is also a change that they do not have any records. I have heard of people sending a DV & it was deleted BUT    usually we send GW letters.

You can also dispute & see if it comes back verified and then DV

[Anonymous]

I was talking to an OC that I was having issues with on a account that went in to collection.

While I was talking to him he let it slip out that they(OC) tell the CA to only report it paid for a year. then they work update anymore.

In my case I paid but he allowed me to do a PFD..

It sounds like you need to do a Dispute with the CRA.

Also when you dispute to the CRA i think all they do is look at the info that the OC or CA sent and compare it to what is on you CR.

just an idea. Dispute the date or amount or that it never went to colections so that they have to request this info from the CA or OC. Hopefully they wont respond to the CRA

Best of Luck

Chuck