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Letter to send to CA who fails to respond to DV letters

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CMBV22

CMBV22

Joined: 08 May 2008
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4309 Magic Points
 
 Posted on Sat Jul 19, 2008 6:29 am  
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.
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fireyone



Joined: 26 Feb 2008
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1011 Magic Points
 
 Posted on Sat Jul 19, 2008 1:02 pm  
Ok so what is a MOV? I have probaly heard of it but not enough to recognize the aar.
goodnatured



Joined: 03 Nov 2007
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 Posted on Sat Jul 19, 2008 10:12 pm  
I have never heard of a MOV either, what is it?
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fireyone



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 Posted on Mon Jul 21, 2008 12:47 am  
Everyone should get together and make a page on abbreviations. It would be something we could refer to.
goodnatured



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 Posted on Mon Jul 21, 2008 3:03 am  
I agree some of these I just don't know
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CMBV22

CMBV22

Joined: 08 May 2008
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Posts: 382



4309 Magic Points
 
 Posted on Mon Jul 21, 2008 6:13 pm  
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
_________________
****************************
Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:

www.homecreditrepair.net

http://homecreditrepair.hqforums.net/
fireyone



Joined: 26 Feb 2008
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Posts: 4124



1011 Magic Points
 
 Posted on Tue Jul 22, 2008 12:55 am  
Thanks for clearing that up. It always makes sense once you see the answer.
Optimist



Joined: 22 Aug 2009
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1294 Magic Points
 
 Posted on Sat Aug 22, 2009 6:42 am  
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
-------------------------

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?
Optimist



Joined: 22 Aug 2009
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1294 Magic Points
Subject: And... another
 
 Posted on Wed Aug 26, 2009 11:24 pm  
And another letter....

Check from the link below:
http://www.creditmagic.org/repair/debt-validation-proof.html
mrryanspace
Guest
 
 Posted on Thu Oct 08, 2009 12:34 am  
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?
Ruthie



Joined: 15 Oct 2009
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Posts: 49



1008 Magic Points
 
 Posted on Sat Oct 17, 2009 1:58 am  
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.

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