Now what to do? Do I send them a validate letter? I have disputed this for years with the orignal creditor and the 2 other CA's they have collecting (both have bailed). I'm about to get a HELOC and don't want my score to get hit when this new CA shows up. What to do?
If the new CA is not reporting, and you have received your first dunning letter, by all means send a validation letter...then they can't put it on your credit report until they validate
Thanks! They sent this crap about they can validate, yadda, yadda. Sound familiar? Should I investigate them?
First validate... Then investigate... There is a reason why the CAs bail... More than likely THEY can't get anything to prove the account; or you are just being enough of a pain in the kiester that they decide that your account isn't worth the aggrivation of having to work for it... You will probably want to use the Subsequent CA strategy in the form letters forum. That is designed for these bounce back cases. Is the account still within your state SOL?
