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Step One: DV all CA's?

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Step One: DV all CA's?

I've been searching around for the answer to this and I *think* I know but I am hoping to get a real clear cut answer.  I am ready to start working on some of my collections, most of which are out of SOL and being reported by CA's.  Do I DV all of them (outside of SOL) since they are not the original creditor, in the hopes that some do not have the required authority to be collecting/reporting? They are all still reporting each month currently.  Thanks!

Start (03/19):
Current (04/19):
Message 1 of 4
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Moderator

Re: Step One: DV all CA's?


@Wittlie0316 wrote:

I've been searching around for the answer to this and I *think* I know but I am hoping to get a real clear cut answer.  I am ready to start working on some of my collections, most of which are out of SOL and being reported by CA's.  Do I DV all of them (outside of SOL) since they are not the original creditor, in the hopes that some do not have the required authority to be collecting/reporting? They are all still reporting each month currently.  Thanks!


You can try and see if it works to get rid of their reporting. A DV though is only effective to stop collection efforts within the first 30 days of a CA receiving the collection until such time that they actually validate, there is no law that they ever validate though.

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Message 2 of 4
Established Member

Re: Step One: DV all CA's?

So is it faster/more effective to just start picking the low hanging fruit (PRA and Midland) and getting PFD’s?
Start (03/19):
Current (04/19):
Message 3 of 4
Community Leader
Senior Contributor

Re: Step One: DV all CA's?

If you have debts owned by those two, I would definitely tackle them first as they will delete. That’s the quick and easy stuff. Get them done and move to the heavier lifting.


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