Hey everyone About a week ago, I received a couple of letter from Asset Acceptance for a two accounts from a few years back. Now, Asset has not reported them to my CR, but the OC has(WalMart and Lowes). My question is this, should I send them letters to validate? Or just not worry about it until they report on my CR? This is, I'm pretty sure, the first time I have received anything from them, and it does say I have 30 days to dispute it. But I can't be 100% sure, because before creditnet and others, I use to just throw them away! hahahaha...So, any advice? I have them in envelopes and ready to go, even stopped at post office today, but decided to wait for advice. Thanks!
Why would you wait for them to report? Not to be rude but, that is illogical. The purpose of requesting validation (at least in this context) is to: 1) make them validate that you are the party to be charged; and, 2) to prevent further collection activity, including reporting a tradeline, until they do so. Whether or not this is the actual "initial" communication, send the request/dispute anyway. You may throw in your correspondence that it is the initial communication just to be safe and include the Certified Article number in the mailing itself.
Apex, I know, I'm an idiot...I just wasn't sure! hahaha...okay...another stupid question for you. I've never mailed anything CMRRR. How am I to include that number on the letter, if I'm mailing that letter? Just don't seal it until I am at the post office?
In the heading of your letter, type in the Certified Number (Sent Via U.S. Mail Certified Article No . . . get some forms from the Post Office so you know what the receipt has present on it.
It's a good idea to stop by the post office and pick up CMRRR forms/cards before you mail off these letters. As for the letter itself, if you have the cards, you can either type in the CMRRR number, or you can apply the number label directly to the letter (but be sure to write the number on the return card for records).
