Quote:
Originally Posted by rastoma
Looking for some advice here....
Would I handle this differently or just follow the standard steps of sending a DV letter to the CA? The CA is not reporting to my CR so there's nothing to dispute there.
Note: The OC IS still reporting on my CR:
Past Due: $0
- High Balance: $11879
- Terms: 48 months
- Limit:
- Payment: $422
- Opened: 05/23/2006
- Reported: 03/31/2008
- Responsibility: Individual
The OC is reporting a balance of $7316. The letter I got from a CA today shows balance is $8252.80. This was for a voluntary repo (I know there's no difference) when I had lost my last job.
I've checked and the CA is licensed and has a RA in my state (Tennessee). I don't know how to check to see if they have posted a bond though which is required in TN.
Thanks for any guidance any of you may have.
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If it were me I would not send a DV at all. You are still within the 4 years statute of limitations for auto deficiencies if the OC repoed legally.