Need to know what next step is

[Anonymous]

Someone posted one on here sometime back, at least I thought it was an ITS.  No worries, someone will hook you up.

[Anonymous]

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=23400&query.id=103...

under search

http://ficoforums.myfico.com/fico/search?board_id=generalcredit&submitted=true&q=its+letters

Message Edited by HappyDays on 07-20-2007 01:23 PM

[Anonymous]

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sunnyday wrote:

MOV is method of verification.  You can request from the credit bureau how they verified your dispute.  They often get their info from 3rd parties, instead of the OC, so chances are they are not doing their job.  If you dispute, and they say verified and accurate, and you think their info is wrong, you can request them to provide you with what method they used to verify

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But if the TL is with a CA, they only need to get verify with them correct?  Suppose the CA does not have the correct information from the OC?

[Anonymous]

If a TL sells or turns over to a CA they MIGHT NOT keep any info. An answer from a CA,due to a DV letter, MUST contain complete info. or it isn't any good

I send 2 DV's this week & in it I asked for:

Doc proof that it was in my name

complete payment history

name, address & phone # of OC

amount of debt.

[Anonymous]

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HappyDays wrote:

If a TL sells or turns over to a CA they MIGHT NOT keep any info. An answer from a CA,due to a DV letter, MUST contain complete info. or it isn't any good

I send 2 DV's this week & in it I asked for:

Doc proof that it was in my name

complete payment history

name, address & phone # of OC

amount of debt.

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But the MOV pertains to a dispute with the CRA correct?  A DV is a letter sent directly to the CA, right.  OHHHH this is sooo confusing!

[Anonymous]

Daytona you are correct the DV is with the CAs and the MOV is with the the CRAs. I hope that helps.

[fused]

You can even DV an OC!

[sunnyday]

Noah?  or anyone that can give me an example of a ITS letter.  I'm having a hard time trying to figure out my wording.  Thanks!!!!!

[sunnyday]

bump

[Anonymous]

sunny did you use the link that I gave you???  I thought I saw one there.