questions

[Anonymous]

Okay I thought I read somewhere here that only 1 can report but does it make a difference if the other collections last reported sometime in 07?

[Anonymous]

It doesn't matter when they last updated.

If they are on your report, they are reporting.

[Anonymous]

So how does dving work? I mean if I do that do they have to see if I owe that money yet and if they find out I don't what can they do ? I'm trying so hard to repair my credit I just feel like every 1 step I take I get knocked back 3. Thanks for your help......I wouldn't be this far if it weren't for this forum.

[Anonymous]

DV= Debt Validation.....you ask them to validate the debt they are claiming you owe.

Send a letter that goes something like this:

Upon recent review of my credit reports I notice you are reporting an account I allegedly have with your offices. Per FDCPA 809, please send me proper validation of this alleged debt, along with the name and address of the OC.

If your search shows that I have no account with your company, please remove your entry from my personal credit report.

[Anonymous]

But won't there records show at one point I did owe that to them and there reporting in that time frame would be right? So then how could that possily be removed if its accurate?

[Anonymous]

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chardoc1130 wrote:
But won't there records show at one point I did owe that to them and there reporting in that time frame would be right? So then how could that possily be removed if its accurate?

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Yes, their records may show that they once had a collection account belonging to you. However, once they sell/assign/transfer it they no longer have a collection account with you.

They can not report a account that they don't have any longer.

Only 1 CA may report and the only CA that may report is the one that CURRENTLY has a collection account with you.

[Anonymous]

OOOOh ....that  makes sense now. As I said I'm trying to fix this mess I'm in. Thanks so much for your patience and advice. I will dv and let you know what happens.

[Anonymous]

Oh I have another question I hear alot on here about buckets.....could you explain to me what that is.