If it is reported to ChexSystems, it will stay on for 5 years. Goto www.chexhelp.com/english/publik/index.htm and order a copy of your report. Deal with the CA the sames as if it were a CC. Make them validate, in other words, provide a copy of this bounced check.
It's a really small amount, so it's worth it to me to just pay it, but not without removal of entry. Can anyone help?
Ahhhhhh man that is a great question. I have bounced checking on my CR ($70) and I have not requested validation or anything. I did not want to "wake a sleeping dog". I am in Texas. What should be my next step??? It is with a c/a 7-98 is last activity. Should I process as a regular dispute????
Contact the CA and negotiate a settlement w/ deletion. Make sure to get this in writing. I have 2 bounced checks on my TU report($67 & $70). I contacted the CA to try and settle for deletion. They said NO, so I said you'll NEVER get paid! During this time, I've sent 3 validation letters to no avail. Have you requested validation?
So, should I validate first of start the settlement process?? And how much should be the max to pay for $70?? Also, I am not trying to get the five-o to come get me for $70 for that check--are they able to do that ???
Yes, I would request validation in the form of a copy of the bounced check. The settlement amount can be whatever you want. I might try offering the full amount for best chance at deletion. Also, I am not trying to get the five-o to come get me for $70 for that check--are they able to do that ??? [/QUOTE] LOL...That's a good question, I don't know.
LBrown59 TO javan | 369 Yes, I would request validation in the form of a copy of the bounced check. ================================= A copy isn't good enough. I have gotten forged copies. Settle only for original checks.- they can have the copies.
No creditor or collection agency that is collecting on a bad check will give you the original. They will provide you with a copy only.
BUMP: OK I just had a CA send me a copy of a check as "validation" This check was dated in 97 and the more I think of it the more I am convince that one of my CRACKHEAD roommates used it to forge my signature for a purchase... the amount is $30.. its small but gosh darnit I want this off my credit report... should I send a 2nd validation letter ? asking for the original copy? also... in my 1st validation I asked them to provide all kinds of information but instead they just sent the check..?? how can I get them to fully validate... IE answer all of these..
5'o won't come and get you. I had a federal agent tell me that with all the homeland security they FBI won't even look at bad checks until they are over $10k.
should I send a 2nd validation letter ? asking for the original copy? If it's been over 30 days since you ask for VAL. I would just send the Estoppel letter & demand the original check in that letter. Even if they do come up with the original check all it means is there was once a check.It don't prove any thing is still owed. how can I get them to fully validate? Don't worry about this as you don't want them to do this anyhow.Let the estoppel take care of it. +++++++++++++++++++++++++++ PS Why you need to see the original check: I was charged $75.oo for five forged photo copies that bounced. How do I know they were forged? I still have the five blank unused never issued original checks. ^^^^^^^^^^^^^^^^^^^^^^ Wonder why this whole returned check fee racket hits a sore spot with me?It's the other version of check fraud! PPS: They only have to choices when you demand to see the original check. 1*Show it to you now or 2*show it to you in court.
