CRA MOV

[Anonymous]

Has anyone here had success with a CRA MOV? I have not had a lot of luck getting them to answer my requests. They basically tell me to contact the OC and/or CA If anyone has had luck getting their MOV requests answered how did you get the CRA to respond. I'm getting tired of sending letters that go unanswered. Not mention spending $$ per letter.

[reno55]

bump if anyone has a good format for a MOV letter

[Anonymous]

I have not used one, but might need to soon. See this for good examples.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=51542&view=by_date_...

[Anonymous]

Funny, that's the exact same letter I've been using with my MOV requests.

[adamseve]

bump....Moderators, have any of you had any success with the CRA MOV?

[adamseve]

bump....Moderators, have any of you had any success with the CRA MOV?

[fused]

No, I haven't. I find the MOV letter only useful in that it might produce a written explanation (bogus of course) from a CRA on how they verify...it's always electronically verified. An ineffective MOV will lead (and should) to a lawsuit.

[Anonymous]

arent they required to provide how they verified if you write them and ask??

[fused]

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tabbycat72140 wrote:

arent they required to provide how they verified if you write them and ask??

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Yes! And as I said, the CRA will state the account was verified electronically...nothing more, nothing less.

[adamseve]

I understand that the CRAs use E-Oscar.  However, I was under the impression from reading various posts that when a consumer requests MOV that simply sending the Automated Consumer Dispute Verification wasn't enough.  Is there any case law or an FTC Opinion letter out there that discusses the MOV process?