Non Disclosure Agreement

CMRR stands for Certified Mail Return Receipt.

 

NDA? Are you real sure you know what a non-disclosure letter really is and when it should be used? Right now I have my doubts that you do.

 

billy? Where on earth did you ever get that spelling?

And a non-disclosure agreement does mean that a company can't mention any information about your account but it must be an agreement between two or more parties, not something they allegedly agreed to by their silence or according to you only.

Non Disclosure Agreements are usually entered into by parties wishing to settle a matter out of court that is currently in litigation. That is the usual meaning of a NDA.

Now then, if you can get them to agree to a non-disclosure clause in the process of settling an account then fine. No problem and yes, it would be enforceable in a court of law if properly done. And yes, you can write your own NDA letter but as you apparently suspected, templates with lots and lots of legal sounding garbage isn't the way to get the job done. If anything a letter with lots of legal garbage would scare them away. If you want to slip something over on them then stay away from all the legal language and just say what it is that you want them to agree to.

I see so many supposed gurus on the internet telling people to use all manner of legal or religious mumbo jumbo and most of it is just hogwash and nothing more. Quoting all that stuff makes you sound like you really must be some kind of legal genius. Makes people really respect you and look up to you but if any of your followers really did their own research they might find out the bitter truth.

Lawyers almost never really use that stuff in actual court room work. Most judges hate it too and usually pay it little attention. They don't want to have to go look it up and analyze it to see if you really know what you are talking about or not. Good lawyers make a point and if they can back it up with either statute or case law they do so by actually putting the statute or case right there in their pleadings. They don't make the judge or the opposing party go look it up for themselves. They show the law and they use it to back up what they are trying to point out with no mumbo jumbo of any kind.

Yes, you can enter into a NDA in the process of paying off a debt. That's what the Westcap Method tries to get them to do and sometimes it works and sometimes it don't.

 

Now then, how does it mean that if they don't respond it will fall off in 30 days? Where in the law does it say that? I think that what FCRA says is that they have 30 days to complete their investigation. How does that equate to falling off or getting deleted in 30 days? I don't think it does.

What guru have you been listening to anyway?

 

You are not saying the same things. First you said 30 days. There is no law that says it has to be off your report if they don't verify within 30 days. Once again, what it says is that the credit bureaus have 30 days to complete their investigation.

And no, they don't have to provide any proof. All the credit bureau has to do is ask the furnisher whether what they reported was true or not unless you can prove that it is not correct. Then they have to do a further investigation upon your further complaints.

If they agreed to the letter saying they accept the terms and that letter is signed in ink by some person of authority within the company then it would stick in a court of law. Or at least it should.

 

You can always do whatever you want. After all, people have been trying to re-invent both the wheel and the mousetrap for thousands of years and some have succeeded pretty well. Maybe you can too.