My friend started disputing some old cc on her credit report with the CRA's . She stopped after the second letter....this was in may. What should she do at this point? start all over with a validation letter to the company or send a dispute to the cra? should she pick it back up with the third letter or start all over again? whatever she does she should wait till chod, right? Thanks me
I think CHOD is good for validating as well. But she can only validate under the FDCPA with CA's. What exactly is on her reports, OC credit listings like the charge offs, or CA listings? Are there any judgements? She would not have to start over...If they indeed have not responded to here original letters, they are still in violation of them (extending the time you give them soed not lessen her case that the listings are inaccurate). I say waiting till CHOD is ok, it is only in a month. Tell her we said good luck! -Peace, Dave
