where to find letter for OC?

mt2va · ‎03-25-2009

I need a sample letter to send to an OC. I did a search & see many references to an "OC investigation letter" but have yet to have found the actual letter. Can anyone help me out? I have already disputed with the 3 CRA & am awaiting my results but have a feeling it will come back verified because I just got a letter in the mail from this creditor a week after I sent my disputes & have never got anything in the mail from them before.

Starting Scores 10/12: EQ 460 (FICO)/TU 502 (FAKO)/EX 474 (FAKO)
(7/14): EQ 572 (FICO)/TU 624 (FICO)/ EX 612 (FICO)

Current (2016): EQ 605 (FICO)/TU 657 (FICO)/EX 646 (FICO)

llecs · ‎03-25-2009

Some people have used an "OC Letter" to challenge the validity of a debt with the OC:

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=63872&query.id=136...

IMO, the letter is wrong, legally, but has worked for some.

Guardian · ‎03-25-2009

+1, Agreed, this is not that good of a letter and gets alot of the legal references wrong and you might want to edit it before using it as is. You could also just write a straight forward request in your own words and be fine too. As always recommended, keep it simple, to the point and don't give any more than you absolutely must.

Common Abbreviations|FDCPA|FCRA

Starting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800