ok, I asked this question on CB, but I guess I am not very good at conveying my thoughts. I will try again here - and maybe someone might be able to answer the question. My H has many many TLs all dealing with one repo. He bought the car with National Auto Credit as the lender. This TL is listed as opened in 96 - and depending on the report - it is pays as agrees - or nothing - but the account was sold. (sometimes listed twice with two different status listings) The next TL is with Ameristar. This is is listing as an OC. repo - charge off. DOLA 96 (sometimes listed twice with two status listings) The next is with Asset Acceptance. Much adored collection agency. listing DOLA as 9/98 amount owed 9K. The next one is a judgment with Asset Acceptance. $8425 varying dates - depending on the CRA. OK. First thing we did was delete name variations and old addresses. Now we are disputing the judgment with the CRA. We will see what happens there. But, I am thinking ahead to when I attempt to tackle the Asset TL. First thing to do would be to send off a validation letter...CRA dispute...then follow up with all of the paper trail and stuff. I know. But - wait... If Asset was smart - wouldnt they just respond to my validation letter with a copy of the judgment? Wouldnt that be complete validation? I am not talking about the judgment dispute that is going on. I am not talking about their ability to collect. I am not talking about the judgment TL or the actual judgment. I am talking about Assets ability to vailidate the Asset Acceptance collections TL on his report. When I send a validation letter to them... what are the chances of them just sending a copy of the judgment? And, if they do - what do I do then? Left to just me and my own little stupid brain.. Iwould go.."oh, ok, I guess thats validation" Once they have a judgment do they even NEED to validate anymore to list with the CRAs? Is it validation? Do they do that? Will they do that? Thanks in advance..and if I need to clarify, I will. I cant seem to get anyone to understand what I am asking - and its either REALLY difficult to answer...or, I am amazingly stupid.
Geez Peri....LOL Here is my suggestion and I could be wrong but here it goes... Try asking your questions more directly to the point. Try leaving out details that make the readers feel like they are on a bad acid trip! Also try to limit a question to just one or two and then as it starts to move along shoot another couple of questions....the ol' bait and switch technique works nicely. Oh, and by the way....Peri knows me and we are sort of like friends so this post was not written to be a jerk or anything I just know when I look at posts that go on and on and on and on I get bored and leave! Hope that helps Peri! SnakeMan
LOL thanks snakeman yer not being a jerk. lol I knew it had to be me. BUT When I ask the questions directly - I get answers to questions that I didn't ask. Example: Question: Asset Acceptance has a judgment against my husband. When I validate the trade line. Will they use a copy of the judgment as validation? Answer: A judgment is not subject to validation. It is a matter of public record. I KNOW THIS!! OK. I will try again. Does a copy of a judgment against a person constitue complete validation?
I think that was just a bad example though. First of all to verify the public records they simply call or electronically match up addresses (those old ones!) and of course names and SSN's. But you got the point!
AAAACKK! I must be completely stupid. lol you answered the other questions too. that is why my posts get so long. I try to explain what I wasnt asking. lmao. I will try another way. <sigh> lol OK. Lets say that you manage to get a judgment deleted from your credit report. BUT, the CA that GOT the judgment is still listed as ANOTHER (not the judgment listing - but the same debt) derog on the report. What would constitute validation? Would still have to show signatures and all that? OR would they just have to show a copy of the judgment? OR I can try it this way. Has anyone ever gotten the collection TL of a CA who ALSO had a judgment listed on your CR - deleted? WOW. lmao
(b) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. --------------------- So, the answer is yes, a copy of the judgment serves as validation for a collection trade line. right? (not the judgment itself - or the judgment TL, but the collection tradeline...that is attached to the judgment) Ok, then if thats true. how much success (if there has been any) has anyone/everyone had with getting that kind of TL deleted?
