I have letters to send to CAs but does anyone have different letters to send to the original creditors. What is the best way of disputing directly with a cc company who is reporting a coll account and has not sent it to a CA. Thanks
If the accounts are with the collection department of the original creditor, treat it just as you would if it had been charged off, etc. Settle before they send it to an outside CA. Thats one less dispute. Just my opinion.
No, just the same. There is no reason to make any change for the creditor. Creditors are not subject to FDCPA, but the majority do not realize that and so they just react as though they were. [/quote]What is the best way of disputing directly with a cc company who is reporting a coll account and has not sent it to a CA. [/quote]There isn't any best way. You just hope they send it to a collection agency or an outside attorney for collection so you can deal with them under FDCPA law. Don't worry about their being an original creditor or a 3rd party collector or an attorney. Eventually they all fall under just about the same rules anyway.
