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I sent out a debt validation letter to 2 collection agencies. Neither one of them responded "correctly" to the letter. Both sent me a computer print out. However, one followed up with a letter including a statement. The statement is $200 less than what they say I owe. Can I have these deleted completely off of my credit? If so, How?
I am not so sure you can get them deleted from your record. You probaly can but you must dispute it with the credit bureaus. Now you need to be sure you keep a hold of these documents that they sent you. What they sent is not proper proof of validation and if you can prove that you asked for debt valdiation (and hopefully you sent it certified mail) and you have what they sent if they were to sue you in court chances sre they would not win. If your main thing is to get them removed from your eport then start with the dispute process.
Hi Learningfast
Since you have not received a proper debt validation, you can send a dispute letter with the return receipt which you have received while asking for debt validation. The credit bureaus will get it verified from the creditors or the collection agency as the case may be and get it removed from the credit report. You can find a sample dispute letter if you visit the link letters of credit
I've already written up the Dispute letter to the Credit Bureau for these 2 collections. I'm sending the bureau a copy of the CMRRR, a copy of the computer print out from the CA's. And copies of the Letter that I initially sent for validation of the debt. Is this enough? Also, do I need to send a copy of my last credit report that I pulled that shows how these are reporting on my credit? I'm going to cross my fingers and keep you guys posted on this.
Learning fast, It sounds like you are on the right track. If they did not properly validate the debt then you should be able to get it removed. Make sure you stop back in and let us know how it all works out and if we can help yuo with anything else. Also if they are harassing you be sure that you send out a cease and desist letter. If they contact you after this then you will be able to report them to your atty generals office.
Thanks a lot! I'll let you know. I just sent out the letters to the CB yesterday. So I believe it'll take around 15 days to find something out.
credit
Ok.......here's a question. If you ask for Proper Validation from a CA, and it's been PAST 30 days ( or whatever the 'time frame' is..) how can you PROOF this to the CB's? I mean, yes..you can send a letter to the CB's, with the date of Validation,however..............does the CB's go STRICTLY on THAT info? Hope my question is clear.
Whenever, a debt validation letter is sent to a creditor or a collection agency, it should always be sent by certified mail as a proof that you have send the letter. If the creditor do not validate the debt, you can send this return receipt as a proof to the bureaus telling them that you have asked for validation which they failed to do and so you do not agree with the listing.
Do you have to send the original return reciept or can you send a copy of it. I would be afraid of losing the proof that I had so I would either send them the original,(only if needed) and photo copy one for myself or the opposite. Do not send away the only proof you have. It could easily be lost.
credit
That would be something i would worry about, too. Seems like people ( CA's, CB's, etc) want the Original of whatever you have. But..ya know....you need the Original for yourself, for proof. If you have only the Copy of something, you would probably be asked where the original is.
Thats why I was a because I would be wary of sending the original. I believe if you had a copy and then something did come up like court you could explain you had to send in the original.