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HomeCredit ForumCredit repair

What do I do when my DV letter gets no response?

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anndoriesachs



Joined: 26 Jul 2008
anndoriesachs's page
Posts: 1



29 Magic Points
Subject: What do I do when my DV letter gets no response?
 
 Posted on Sat Jul 26, 2008 1:53 am  
A bill collector received my DV letter over 10 days ago and they have still not taken the account off my credit report. The account they are trying to collect on is for a corporation, but they put it on my personal credit report. What can I do to get some action? From my limited understanding it is a big no-no to put a collection account from a corporation on my personal credit report. Help!?!?
 
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 378



4034 Magic Points
 
 Posted on Sat Jul 26, 2008 7:11 am  
First of all they have 30 days to respond to the DV letter. Even then I normally have to send a 2nd letter in 4 days and occasionally a ITS letter after that.

Now, if you are asking if a LLcs debt can be placed on your personal credit, I dont believe it can. That is the entire point of creating the LLC seprate from your personal finances
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Justin

Justin

Joined: 17 Jul 2006
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Posts: 411



10724 Magic Points
 
 Posted on Wed Jul 30, 2008 9:58 am  
As per the FCRA, the collection agency must validate your debt within 30 days of their receipt of the letter. If you have sent the debt validation letter under certified mail, sent the proof to the credit bureaus along with the dispute letter telling them that you do not agree with the listing in the credit report.
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Justin
 
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