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Havent been sent in collections yet BUT.....

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Schoolbuskid
Valued Contributor

Havent been sent in collections yet BUT.....

I was wondering can you DV a collection that hasnt been placed on your credit file yet? My mom made a settlement with a CA but now i think they are attempting to collect the difference!
 
Any feedback appreciated!
 
Thanks,
SBK
Rebuilding and Reducing Debt, is my game plan.
Message 1 of 9
8 REPLIES 8
Schoolbuskid
Valued Contributor

Re: Havent been sent in collections yet BUT.....

bump
Rebuilding and Reducing Debt, is my game plan.
Message 2 of 9
Anonymous
Not applicable

Re: Havent been sent in collections yet BUT.....



Schoolbuskid wrote:
I was wondering can you DV a collection that hasnt been placed on your credit file yet? My mom made a settlement with a CA but now i think they are attempting to collect the difference!
 
Any feedback appreciated!
 
Thanks,
SBK



Yes, you can DV a CA as soon as you find out they have the account. Doesn't have to be on CR.
Message 3 of 9
Schoolbuskid
Valued Contributor

Re: Havent been sent in collections yet BUT.....



sidewinder wrote:


Schoolbuskid wrote:
I was wondering can you DV a collection that hasnt been placed on your credit file yet? My mom made a settlement with a CA but now i think they are attempting to collect the difference!
 
Any feedback appreciated!
 
Thanks,
SBK



Yes, you can DV a CA as soon as you find out they have the account. Doesn't have to be on CR.



But what would the benefit of that be? Since its not on credit report yet? She also received a bogus notice from HALL AND ASSOCIATES out of new york saying she owes $949 but it doesnt say for what in the letter! WIERD!
Rebuilding and Reducing Debt, is my game plan.
Message 4 of 9
Anonymous
Not applicable

Re: Havent been sent in collections yet BUT.....

You must DC in the first 30 days to keep your rights under FDCPA.

Schoolbuskid wrote:


sidewinder wrote:


Schoolbuskid wrote:
I was wondering can you DV a collection that hasnt been placed on your credit file yet? My mom made a settlement with a CA but now i think they are attempting to collect the difference!
 
Any feedback appreciated!
 
Thanks,
SBK



Yes, you can DV a CA as soon as you find out they have the account. Doesn't have to be on CR.



But what would the benefit of that be? Since its not on credit report yet? She also received a bogus notice from HALL AND ASSOCIATES out of new york saying she owes $949 but it doesnt say for what in the letter! WIERD!



Message 5 of 9
Schoolbuskid
Valued Contributor

Re: Havent been sent in collections yet BUT.....

So its ok to DV before being reported to Credit report? Thanks!
Rebuilding and Reducing Debt, is my game plan.
Message 6 of 9
Anonymous
Not applicable

Re: Havent been sent in collections yet BUT.....

If you DV before it is on your report........it keeps it OFF your report until they validate.
Message 7 of 9
Anonymous
Not applicable

Re: Havent been sent in collections yet BUT.....

I got a letter from Palasaides CA, said the normal 30, and I dv them. It was not on my cr, but I did not want it to be either, if I could help it. It was on an old acct that may have been under bk in 1991. With out dving them I could not remember. So anyway, that was the 19th of this month. I have, so far, not heard from them
 
So, since you have only 30 days, I would dv
Message 8 of 9
Schoolbuskid
Valued Contributor

Re: Havent been sent in collections yet BUT.....

Ok thanks  guys i will be dv'ing they guys! Have any of you ever heard of HALL and ASSOCIATES out of orangeburg, NY? They claim she owe them money for Mirand Response Systems.
Rebuilding and Reducing Debt, is my game plan.
Message 9 of 9
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