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VALIDATING with an OC

Discussion in 'Credit Talk' started by asp.netter, Apr 26, 2003.

  1. Apr 26, 2003 #1
    asp.netter

    asp.netter Member

    I am a little green but now I really feel green.

    I just read that OC's do not have to validate? IS this correct?

    I just mailed off 4 Validation letters to OC's which were all Credit card charge offs from 2 - 4 years back. None of the balances were over 1,200.

    What is our recourse against OC's if I have already disputed with CRA's and the tradeline came back verified?

    Please help. This is the first time I have had to call on the group for some assistance.

    Any assistance is greatly appreciated!
     
  3. Apr 26, 2003 #2
    jafsheart

    jafsheart Member

    Original nutcase followed up w/ estoppel.

    Refer to top 3 posts.

    good luck
     
  4. Apr 26, 2003 #3
    asp.netter

    asp.netter Member

    Forgive me for being so ignorant but where are the top 3 posts?

    I didn't find these letters in the Letter Section
     
  5. Apr 26, 2003 #4
    LKH

    LKH Well-Known Member

    Start with Psychdocs Credit Repair Primer and then read the next 2 posts below.
     
  6. Apr 26, 2003 #5
    asp.netter

    asp.netter Member

    Thanks LHK....

    I always enjoy reading your posts, Butch's and those of Doc and other board VETS.

    Until now I had searched effortlessly for the FAQ's Section and you have just managed to point it out to me... I have began to read with regard to disputing OC's and am getting much more of a grasp...from the looks of it...sending a validation letter follows protocal... I just need to ensure that I dispute with the CRA once I receive the Green Card :) and apply Nutcase, Estoppel and/or ITS as needed dependent upon responses.

    Thanks for helping out a newbie.
     
  7. Apr 26, 2003 #6
    lbrown59

    lbrown59 Well-Known Member

    They are called Intro. threads.
    They are found at the top of each page that list the threads for that page.
     
  8. Apr 26, 2003 #7
    asp.netter

    asp.netter Member

    Question LKH...

    If I dispute with CRA after receiving Green Card then how can I prove a violation presuming the OC would have never notified the CRA that I have disputed the tradeline to begin with? It seems like a catch 22.

    You want to lock the OC into a 30 day window but at the same time wouldn't it be easier to get a violation by the OC's not reporting the item as disputed?

    Sorry to be a pain...
     
  9. Apr 26, 2003 #8
    asp.netter

    asp.netter Member

    Thanks LBROWN...
     
  10. Apr 29, 2003 #9
    catleg

    catleg Well-Known Member

    How does disputing with the CRA lock in the OC?

    Doesn't the CRA's notation of "consumer disputes - reinvestigation in progress" get the OC off the hook for their own failure to note as "in dispute"?

    The only OC that seems to consistently honor the "in dispute" notation is Citibank. I never see it from Chase, MBNA, etc.
     
  11. Apr 29, 2003 #10
    sirrowan

    sirrowan Well-Known Member

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