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question about debt validation response

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Whitneyy
Valued Contributor

Re: question about debt validation response

I never even used the letter, just disputed the line with the CRAs and it was deleted. 

GOAL - 700 FICO across the board!
Message 21 of 27
kezia2410
Regular Contributor

Re: question about debt validation response


@Anonymous wrote:

Okay this should be simple. CA bought debt from ATT and add their interest. So lets say original amount was $300 and collection starts charging you 24% on it. This happened to me with EOS CCA on T mobile bill. 

 

Simply google ATT contract and try to locate any information regarding defaulted accounts and collections. If there is nothing that states that ATT or CA has the right to add interest then simply file a complaint. 

 

But first email to Enhanced Recovery and tell them to delete tradeline or you will file a complaint. But first you need to be sure that nothing on ATT contract states that they have right to charge interest.




eric9k can you please pm the letter contact information for Enhanced Recovery!!! Thanks.

They added an account to my credit this morning with ATT and I just want to cry. I am currently in underwriting and schedule to close Aug 22nd. I need this acct of ASAP.

 

 

Message 22 of 27
Anonymous
Not applicable

Re: question about debt validation response

Sent. Good luck guys
Message 23 of 27
ucibaqt
Valued Member

Re: question about debt validation response

Hi Erik,

 

If you don't mind could you PM me the letter as well. Just so I understand the process. I first ask Enhance Recovery to verify the debt. If they send me just a total, then I send the claim letter?

 

Thank you so much for being so helpful.

 

Message 24 of 27
Warrior2000
Regular Contributor

Re: question about debt validation response

Hi Erik, can u send the letter please via PM? Thank in advance and congrats to you and Jordan, I wish Midland was that easy!!
Message 25 of 27
NY2014
Established Contributor

Re: question about debt validation response

I PM you a DV letter I used 2weeks ago and they deleted within 2days hope this helps
Regards
Fico Score 10/6 EQ 702,16 INQ,TU 740, 9,iNQ EX 705,21 INQ,13%UTIL-
,10 yrs history,1.6 yr AA Cap1 Plat,VentureOne,QS ,Barckey RCI, BBVA,Amex BCE,CSP,NFCU Flag, NFCU Go,NFCU,Cloc NFCU busin,NFCU busin Cloc,Amex Delta busn,Bj's busn Perks,Hawaiian air busin, Citi dc, Discover IT,Chase Hyatt,U.S bank flex perks.,Am,ex Business Plat JCP. Commercial, citi Hilton
Message 26 of 27
Anonymous
Not applicable

Re: question about debt validation response

Hi Erik, can you PM it to me too?

 

I just checked my credit today, buying a house, and ERC put out one with ATT too. I haven't had an account with ATT in nearly 6 yrs. They are showing a date of 2012.

So frustrated, and I need to get it off right away. Thanks!

Message 27 of 27
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