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Example Letter to OC

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Established Contributor

Example Letter to OC

I was an authorized user on one of my DH's credit cards with HSBC.  They have me listed as a Joint Owner which was not the case.  I need to send them a letter requested proof that I signed an application, etc. to prove that I owe them this debt, which I'm sure I don't.
 
If you've written a DV letter to an original credit please share a copy of your letter so that I'm not having to reinvent the wheel.
 
Thanks a bunch!
Message 1 of 5
4 REPLIES 4
Valued Contributor

Re: Example Letter to OC

Did you dispute it first..and t came back verified...that is the only way you can DV the OC...
Message 2 of 5
Established Contributor

Re: Example Letter to OC

Sure did.  They simply wrote me back and said that they sold the account to Collect AMerica.  I've disputed this for years because I was never a joint owner on this account.  So, now I'm fighting back with an OC DV.  Or, should I try a GW 1st?
 
Hoping this will get this off my credit.
Message 3 of 5
Valued Contributor

Re: Example Letter to OC

Maybe you should send the OC DV letter first...then if they verify...send a PFD...so what's going on with the CA???....
Message 4 of 5
Established Contributor

Re: Example Letter to OC

Thanks for your response.
 
Not showing up on my credit report yet.  However, I've found a loop-hole:  this account was included in Ch 7.  OC can't sell this account to ANYONE.  They are in violation of the Discharge Order and this could get me some $$.
 
I'd rather have it off my credit however...so, my hubby & I are going to have our BK attorney send them a nice little letter! Smiley Happy
Message 5 of 5