Why did they send me this letter??

Discussion in 'Credit Talk' started by GRTDLS, Dec 4, 2003.

  1. jenz

    jenz Well-Known Member

    question: have you ever had an account that was charged off - i'm not talking about MBNA, but just in general.

    the account could have been part of a portfolio bought by MBNA or if MBNA bought/merged w/another company. MBNA may be the current owner of the account, but not the original creditor.
    FOR EXAMPLE - i think i already used this one today - had menards card paid in full/closed (menards card were financed through conseco; household bought conseco's retail program; now, my paid/closed account is showing as household.
     
  2. lbrown59

    lbrown59 Well-Known Member

    1*youre right. an OC isnt required to validate, but they also cannot report something to a CRA that isnt yours.
    2*tell the OC:
    - that you plan to request an investigation with the CRAs as well
    - that the OC can expect contact from CRAs soon
    3*- that if the OC verifies this trade line, you will be able to sue the OC for 1000 bucks.
    crowmom |
    """"""""""""""""""""""""""""""""""
    2Yep and shoot your self in the foot.Nothing like tiping em off to your next move.
    3*There goes the 1000.
    """"""""""""""""""""""""""""""""""
     
  3. GRTDLS

    GRTDLS Well-Known Member

    So you don't think I should tell them this? I am a little confused here. I seem to have gotten a couple different answer's but which one do I go with?
     
  4. lbrown59

    lbrown59 Well-Known Member

    Re: Re: Why did they send me this letter??

    No I don't because it tips them off to your game plan.
     
  5. GRTDLS

    GRTDLS Well-Known Member

    Re: Re: Re: Why did they send me this letter??

    So just leave that part out of the letter?
     
  6. lbrown59

    lbrown59 Well-Known Member

    Re: Re: Re: Re: Why did they send me this letter??

    I would.
     
  7. GRTDLS

    GRTDLS Well-Known Member

    Re: Re: Re: Re: Re: Re: Re: Re: Why did

    I think I am going to go with this letter. Should I send them a copy of the letter I originally sent them with a copy of the CRRR? Should I also include a copy of their response to me? Thanks.
     

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