@Anonymous wrote:Just because the account with BOA is PIF does not mean you do not still owe the CA additional money.
Yes, send them a DV letter. There is no time frame for them to validate, they can not continue collection activity until they do.
BOA is not reporting and you can not DV an OC.
As I stated before, the CRA will not delete a TL just because you tell them it is reporting inaccurately. They will conduct an investigation on their own and make a determination afterwards.
So.... they updated my CR and this is being reported now...
LTD FINANCIAL SERVICES #XXXXXXXXXX
7322 SOUTHWEST FRE
SUITE 1600
HOUSTON , TX 77074
(713) 414-2100
Balance:
$0
Date Verified:
10/2009
Original Balance:
$536
Original Creditor:
BANK OF AMERICA NT SA
Past Due:
$0
Pay Status:
>Payment After Charge Off/Collection<
Account Type:
Open Account
Responsibility:
Individual Account
Date Closed:
08/2005
Date Paid:
03/2006
Loan Type: Collection Agency Attorney
Remark:
>Paid collection<
Date placed for collection: [ 09/2005]
Estimated date that this item will be removed: 07/2012
instead of deleting it.... they just updated balace to 0