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where to find letter for OC?

mt2va
Established Contributor
‎03-25-2009 11:06 AM
‎03-25-2009 11:06 AM

where to find letter for OC?

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)




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2 REPLIES 2
llecs
Moderator Emeritus
‎03-25-2009 03:05 PM
‎03-25-2009 03:05 PM

Re: where to find letter for OC?

Message contains a hyperlink

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.

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Anonymous
Not applicable
‎03-25-2009 04:11 PM
‎03-25-2009 04:11 PM

Re: where to find letter for OC?

+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.
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