So I got a letter from a collection agency a few weeks ago. It is dated January 31st but I didn't receive it until at least a week later.
the letter indicates unless you notify us within 30 days of RECEIPT of this letter..."
they have already hit all 3 of my credit reports.
While it has been 30 days since they wrote the letter, can I still dispute based on the fact that I'm still within 30 days of Receipt?
if so, can I have this removed from my credit reports?
thanks in advance.
If I'm not mistaken, debt validation has nothing to do with the credit reporting aspect. It only deals with the fact that they must cease collection efforts temporarily until they validate.
Also regardless of the above, is the debt legit?
