What if the CA calls my bluff? They didn't vaildate the first time, but what if they come up with the original paperwork this time? My case wasn't identity theft, but it refers to that in the letter. Should I take that part out?
I would. To me, the Estoppel letter should be a professional way of saying: "This doesn't belong. Unless you can send me proof, remove from the CRA" Keep the pressure on them. Don't tip your hand too much. And relax: If they didn't validate the first time, chances are they'll remove it GT
Right. Thanks. I'm really just asking someone who says I owe them a lot of money to show me proof of who the hell they are... I'll just take out the identity-theft sentence that's making me uncomfortable.
The way I look at it...a very high percentage of what is reported on credit reports is inaccurate in some way. Either the dola is wrong, the type of account it is coded as is wrong, the amount is wrong...something is usually wrong. Soooo, if by some chance they are able to validate, you will at least know what they have and know whether or not they are reporting it accurately. I didn't care if someone validated or not. If they didn't, they'd better remove. If they did...they sure better be reporting it accurately! Not ONE of the derogatory items on my credit report was accurate and several of the positive tradelines were also inaccurate (although I didn't touch those...lol). L
Well, I sent the 15-day estoppel today and I'm back to feeling empowered. I'll let you know what happens.
I rarely do an estoppel, I just send them a cease communication because they didn't validate in the first place and place the burden on removing the tradeline from my credit report within a 30 day period on them. My last line on the letter states, I will deal directly with the Creditor on this debt. Since they didn't validate the debt in the first place, I wouldn't have a clue who the original creditor was, so there ends the problem. They have no right to place anything on my credit report cause Its MY credit report because I did not apply for credit through them. Everyone must understand. When you apply for credit with certain company, they see your credit report and some information that you don't want divulged, if something unlikely happens, (job loss, death in family, etc.) and you default on your obligations, and they get sent to a collection agency, what happens? Well every damn single slimeball gets to see your credit history and do whatever they want to it. It happens every single day to thousands and thousand of people. There are so many laws that need to be passed so this does not happen, Why do they get to see my information on my credit history? The only information they should be allowed to see is name, address and phone number. Period. The problem is the cease communication letter cause it #1) stops them from talking to you, #2) states you will not be paying them, #3) they have no legal right or way to report that debt cause its not theirs to report. Now if they bought the debt and didn't validate it, or have proof. The simpliest way is to send a intent to sue with a copy of the civil papers, give them 5 days then actually follow through with it. They have no qualms about messing up your life and screwing up your financial freedoms or allowing you not have a good nights sleep, so why even try and play nice? I know I don't play nice with them.
I agree. Seems like they won't do anything until they get served with a case number. Then they're jumping through each others butt's to get it resolved. We should be less afraid of getting filed. Sun Tsu, in "The Art Of War" said: "The best way to avoid war is to be unafraid of it."
I do feel a bit afraid now cibomatto ================ What you should really be afraid of is the results of not doing it . LB 59
You think so do you? I sent a CA Val.then Estoppel several months ago.Never heard form them and figured they had removed it. WRONG Wrong wrong.Couple days ago got the same original collection letter they sent back then just as if nothing had transpired before. Only way I see to clear this up is to file suit. Only thing I'm debating is do I file suit for 5 $1000 violations now or wait till they send me a few more letters like they just sent and add a few more $1000 violations to the $5000. I sorta like getting the collection letters. What more could you ask for than written proof of each violation. Seems like there is no limit to how much this CA is willing to pay to collect a $75 debt they can't proove.But hay why should I cut the rope it's theirs. LB 59
