Sample debt validation follow-up letter

Joined: 08 May 2008 Posts: 364 4810 Magic Points

It's not that bad. In my experience Experian is the hardest to dispute with. Most of the time if the CRAs don't give you what you want with a disute a MOV request gets it.

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

Ok so what is a MOV? I have probaly heard of it but not enough to recognize the aar.

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

I have never heard of a MOV either, what is it?

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

Everyone should get together and make a page on abbreviations. It would be something we could refer to.

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

I agree some of these I just don't know

Joined: 08 May 2008 Posts: 364 4810 Magic Points

Method of Verification, The FCRA says that if a CRA claims to have validated a debt you have the rigt to request MOV or to have them send you the information they recieved within 15 days of your request. This is helpful since most times they dont validate properly and when called on it with a MOV request then usually delete the disputed listing

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

Thanks for clearing that up. It always makes sense once you see the answer.

Joined: 22 Aug 2009 Posts: 20 1295 Magic Points

Method of Verification, The FCRA says that if a CRA claims to have validated a debt you have the rigt to request MOV or to have them send you the information they recieved within 15 days of your request. This is helpful since most times they dont validate properly and when called on it with a MOV request then usually delete the disputed listing
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So, would it be better to start with the MOV to validate your debt instead of the CA? Would you assume that if the Credit Bureaus cannot validate your debt neither would the CA?

Joined: 22 Aug 2009 Posts: 20 1295 Magic Points

And another letter....

Check from the link below:
http://www.creditmagic.org/repair/debt-validation-proof.html

mrryanspace · Guest 0 Magic Points

I'm a little confused.

If a collection agency doesn't respond to a signed debt validation letter, I was under the impression from reading the forum that meant the debt was to be removed from a credit history. Why does one need to send multiple DV letters to a CA, and why, for that matter, does one need to send this letter?

Joined: 15 Oct 2009 Posts: 63 1401 Magic Points

Thankyou that was a very powerful letter. Legal and to the point. Is it ok if I use it? I have three different collection agency's trying to collect the same debt. And I don't even owe it. I sent it to all three credit bureaus and they said it is valid. So here I go again. How long can they keep trying? I have some that are 8 years old from a phone bill I never had with AT&T.

Joined: 09 May 2010 Posts: 17 299 Magic Points

I sent a DV Letter to Palisades Collection L.L.C. a few months back and was recieved a letter in return stating they were stopping collection activities while the debt is in "dispute". its been over 90 days and have heard nothing from them. Should i send a letter like this one to them and see what happens or should i wait? Any advice is welcomed!

Joined: 09 May 2010 Posts: 17 299 Magic Points

By the way, i think this is an awesome letter!

Joined: 09 May 2010 Posts: 17 299 Magic Points

Hey CMBV,

Found this webpage that might give you a little more ammo for your next letter.

"http://www.educationcenter2000.com/debt_collectors/your_right_to_vali dation.htm"

Joined: 27 Jul 2010 Posts: 14 180 Magic Points

I can say that this letter can be beneficial in many cases.
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