Hello Everyone - Can someone answer a quick question?

[Anonymous]

Hello Everyone.

This is a wonderful message bd. and their is a lot of good info. So much I don't know where to begin.

I have a couple small credit cards that I did not open and they have gone into collection. I was not aware of these. I just recently pulled my report and saw them.

What I want to know is.....What is the proof they need to validate that the debt is mine? Is there a listing of this info or law?

Also can you do DV to credit card companies as well as Collection companies?

[Anonymous]

Welcome!!

Dispute with CRAs as "Not Mine". The CC will have to validate.

If these cards are NOT yours, and the CC DOES validate, the do a MOV. They will have to provide *proof* that the account is yours - like a signed application.

Look at the frequently requested threads sticky and you will find good letter writing templates.

Good Luck!

[Anonymous]

You can't DV an OC, but can a CA.

[Anonymous]

TexMontana,

Sorry a little confused with the accronims

I did dispute them with all three CRA's - they are still in process - almost complete.

But not seeing them come off as of yet. Do the CRA validate with the Credit card company or collection company?

I am trying to figure my next step.

Do I send a DV to the credit card company as well as the Collection company?

[Anonymous]

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Godzilla wrote:

But not seeing them come off as of yet. Do the CRA validate with the Credit card company or collection company? 

 Which did you dispute?

Do I send a DV to the credit card company as well as the Collection company?

You can not send a DV to the CC because they are the OC, but you can the CA...you only have 30 days from the intial communication to send.

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http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=3866

[Anonymous]

All of the cards are listed as Charged off and some look like they have been sold to a Collection Agency. I can DV a CA but cannot do a DV to a CC...

Then how do I get a CC to remove what is not mine...

[Anonymous]

If the account shows up on your credit report twice (once from the OC, and once from the CA) I would dispute BOTH listings as "not mine" with the CRA.

[Anonymous]

godzilla, welcome to the forums.  You need to make a police report for ID theft!!!  get a copy of the report.

after the CRAs complete the dispute.....if verified......open another dispute    send CRAs  copy of police report   and dispute *not mine*   AND  have them put a fraud alert on your account.

DV the CA      if they validate....then send them a letter stating that account was ID THEFT    send copy of police report.

Never sign anything going to a CA!!