The credit Repair Thread

[LeVraiPapi]

SAmple letter to send to collection agency for debt validation

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

• What the money you say I owe is for;
• Explain and show me how you calculated what you say I owe;
• Provide a verification or copy of any judgment if applicable;
• Identify the original creditor;
• Prove the Statute of Limitations has not expired
• Show me that you are licensed to collect in my state; and
• Provide me with your license numbers and Registered Agent.

If your offices have reported invalidated information to any of the three major Credit Bureau’s (Equifax, Experian or TransUnion), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

• Violation of the Fair Credit Reporting Act
• Violation of the Fair Debt Collection Practices Act
• Defamation of Character

If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

This letter shall also show (but not limited to) you, your company, computer generated calls, computer generated letters or any of the third parties that you hire, employ,or any ofPortfolio Recovery Agency employees or legal agents are NOT to contact me other than written correspondence.

Any violation of this will be considered as harassment and I will have no other recourse then to inform all agencies and the State Attorney General of your actions.

Any attempt to contact me other than written correspondence will be followed up with my States Attorney General and with any other agency that has jurisdiction over such practices.

All future communications with me MUST be done in writing and sent to the address noted in this letter.

This is an attempt to correct your records, any information obtained shall be used for that purpose.



Your name

 

[LeVraiPapi]

Make sure you send it as a verified letter with return treceipt and keep them

 

[HookersandIceCream]

I cant understand why these companies just dont give you a PFD letter

 

[Majestyx]

So i got some shyt on my account from over 10yrs ago I've never talked to these mufukkas, and it was charged off and switch to someone else in 05. but this shyt is showing it was reopened in September of last year how i get this shyt the fukk off my report, IF i can, besides paying the shyt?

 

[BaldingSoHard]

So i got some shyt on my account from over 10yrs ago I've never talked to these mufukkas, and it was charged off and switch to someone else in 05. but this shyt is showing it was reopened in September of last year how i get this shyt the fukk off my report, IF i can, besides paying the shyt?

Statute of limitations is 7 years on all debt collection. Should be trivial to have it taken off, so long as you haven't re-affirmed the debt any time in the last 7 years.

 

[Majestyx]

Statute of limitations is 7 years on all debt collection. Should be trivial to have it taken off, so long as you haven't re-affirmed the debt any time in the last 7 years.

so do i just do a dispute form?

 

[CaughtInTWebb]

I actually just got my credit score back in he 700's so I'm happy about that.

Only have one credit card and I try to make sure everything is paid on time.

 

[BaldingSoHard]

so do i just do a dispute form?

Should do the trick, but might wanna google it or talk to an attorney ahead of time just to be on the safe side. They can sometimes get tricky with that re-affirmation bs which, if done, would reset the clock on the debt for another 7 years.

 

[LeVraiPapi]

Statute of limitations is 7 years on all debt collection. Should be trivial to have it taken off, so long as you haven't re-affirmed the debt any time in the last 7 years.

What was your first date of default/deliquency with no payment after ? Make sure that date was the first date of continued deliquency breh

Should do the trick, but might wanna google it or talk to an attorney ahead of time just to be on the safe side. They can sometimes get tricky with that re-affirmation bs which, if done, would reset the clock on the debt for another 7 years.

breh, you're not serious. You can't prove a delinquent account over 10 years. WHat they do is they re-age the debt so they can keep on harrassing you, which is illegal. He may actually sue them and make over 10k if that's true

 

[The Mad Titan]

tagged

 

[Myrical Lyfe]

580

3 collections are killing me

 

[LeVraiPapi]

580

3 collections are killing me

what are they ? How old are they ?

 

[Myrical Lyfe]

what are they ? How old are they ?

ATT
Tmobile
Best buy

There all decently small amounts, and all 2-3 years old. I plan on just paying them off. But it's hard living on my own and being in school

 

[LeVraiPapi]

ATT
Tmobile
Best buy

There all decently small amounts, and all 2-3 years old. I plan on just paying them off. But it's hard living on my own and being in school

don't pay em off unless you get in writing that it will be deleted once paid off. `If they say they can't, then say adios. It's just as bad as paid off in full breh. Paying it off may give u a few points but it will keep reporting and drag your credit for almost a decade. First off, ask for verification. Then come back and post here

 

[Myrical Lyfe]

don't pay em off unless you get in writing that it will be deleted once paid off. `If they say they can't, then say adios. It's just as bad as paid off in full breh. Paying it off may give u a few points but it will keep reporting and drag your credit for almost a decade. First off, ask for verification. Then come back and post here

I was going to call one of the smaller ones and offer to pay half, to be completely wiped from my record. Ill make sure to ask for that though. I don't want to wait another 5-6 years to have my credit repaired. I want it fixed for when I get out of school, and have a real job so I can buy a house, I have one credit card as well that isn't maxed.