cool that would be great to know. I was gonna file against him anyway but having the exact law or such would be a great help.
This is correct Pic, The demand for Val. does apply to him but NOT the 30 days time limit. Did you dispute with the CRA ????? You'll find the 30 day time limit in the FCRA
so if you send in a request for validation they can take all the time they feel like? He did close the account but will not remove from the credit file.
Yes Nancy, That's why it's important to, same day you get the green card from the CA, dispute with the CRA. It's the dispute with the CRA that triggers the 30 day time limit. Did you read my thread about this? http://consumers.creditnet.com/stra...postid=201387&highlight=procedural#post201387 This is a good study of the need to do both at the same time. hth
Did you ever see it ttowns. Also, the CA finally caved after I sent a 5 page intent to sue notice and are sending the letter to cbc credit services(equifax) as I type this. After I lost over 40 points let us see if I gain the entire 40 back. Since then I have had 4 inquiries removed also so it should be higher. If it is not then the RNG theory has been proved.
yeah I got my points back. was 645 ca hits and 3 inquiries drop off down to 603 ca deleted up to 648 so I got 3 points from those 3 deleted inquiries. 6 hard inquiries left but 3 are the same company so it only lists it as 4 hards.
http://www.ftc.gov/os/statutes/fdcpa/commentary.htm#813 That's the link. It's the FTC website as you can see. 1. Employee liability. Since the employees of a debt collection agency are "debt collectors," they are liable for violations to the same extent as the agency. Straight from the horse's mouth. Can't get much better than that.
